# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-26-004650
**Filing Date:** 2026-2
**Character Count:** 4966158
**Document Hash:** 24280b2fcf7e02fbfb873c7fab27e553
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-004650.hdr.sgml**: 20260227

**ACCESSION NUMBER**: 0001999371-26-004650

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

**PUBLIC DOCUMENT COUNT**: 127

**CONFORMED PERIOD OF REPORT**: 20260227

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

**FILED AS OF DATE**: 20260227

**DATE AS OF CHANGE**: 20260227

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

**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:** 025-06259
- **FILM NUMBER:** 26701932

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

**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:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

**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:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>EFMT DEPOSITOR LLC</u>**

Check the appropriate box to indicate the filing obligation 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)(l) ☐

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

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

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

Central Index Key Number of depositor: 0001946154

<u>EFMT 2026-NQM3</u><br> (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): ________________

Robert A. Catarella, (203) 409-3596

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

**PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter**

Not Applicable

**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.

**EFMT DEPOSITOR LLC**

By: Ellington Management GROUP, L.L.C., <br> as its manager

Date: February 27, 2026

<u>/s/ Robert A. Catarella</u>

Name: Robert A. Catarella

Title: Managing Director

EXHIBIT INDEX

[99.01](ex99-01.htm) [AMC Diligence, LLC ("**AMC**") Narrative](ex99-01.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [AMC Rating Agency Grades Report](ex99-01s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [AMC Exception Grades Report](ex99-01s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [AMC Valuation Summary Report](ex99-01s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [AMC Supplemental Data Report](ex99-01s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [AMC Business Purpose Report](ex99-01s5.htm)

[99.02](ex99-02.htm) [Canopy Financial Technology Partners, LLC ("**Canopy**") Narrative](ex99-02.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Canopy Supplemental Data Report](ex99-02s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Canopy Business Purpose Supplement Report](ex99-02s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Canopy Rating Agency Grades Detail Report](ex99-02s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Canopy Rating Agency Grades Summary Report](ex99-02s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Canopy Valuation Report](ex99-02s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Canopy ATR or QM Report](ex99-02s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Canopy Data Compare Report](ex99-02s7.htm)

[99.03](ex99-03.htm) [Clarifii LLC ("**Clarifii**") Narrative](ex99-03.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Clarifii Valuation Report](ex99-03s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Clarifii Supplemental Data Report](ex99-03s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Clarifii RA Grades Summary Report](ex99-03s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Clarifii RA Grades Detail Report](ex99-03s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Clarifii Data Compare Report](ex99-03s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Clarifii Business Purpose Report](ex99-03s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Clarifii ATR or QM Report](ex99-03s7.htm)

[99.04](ex99-04.htm) [Clayton Services LLC ("**Clayton**") Narrative](ex99-04.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Clayton Conditions Summary Report](ex99-04s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Clayton Conditions Detail Report](ex99-04s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Clayton Loan Grades Report](ex99-04s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Clayton Standard Upload Report](ex99-04s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Clayton Valuation Summary Report](ex99-04s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Clayton Rating Agency ATR QM Report](ex99-04s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Clayton Non ATR QM Report](ex99-04s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Clayton Loan Level Tape Compare Report](ex99-04s8.htm)

[99.05](ex99-05.htm) [Consolidated Analytics, Inc ("**CA**") Narrative](ex99-05.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [CA Data Compare Report](ex99-05s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [CA Due Diligence Standard Report](ex99-05s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [CA Grades Summary Report](ex99-05s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [CA Valuations Report](ex99-05s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [CA Supplemental Report](ex99-05s5.htm)

[99.06](ex99-06.htm) [Covius Real Estate Services, LLC ("**Covius**") Narrative](ex99-06.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Covius ATR QM Data Report](ex99-06s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Covius RA Exceptions Report](ex99-06s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Covius RA Grades Report](ex99-06s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Covius Tape Compare Report](ex99-06s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Covius RA Valuation Report](ex99-06s5.htm)

[99.07](ex99-07.htm) [Digital Risk, LLC ("**Digital Risk**") Narrative](ex99-07.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Digital Risk Findings Summary Report](ex99-07s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Digital Risk Findings Exception Report](ex99-07s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Digital Risk Rating Agency Report](ex99-07s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Digital Risk Valuation Report](ex99-07s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Digital Risk Summary Report](ex99-07s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Digital Risk Standard Report](ex99-07s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Digital Risk Supplemental Report](ex99-07s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Digital Risk Non-QM Supplemental Report](ex99-07s8.htm)

[99.08](ex99-08.htm) [Evolve Mortgage Services ("**Evolve**") Narrative](ex99-08.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Evolve Rating Agency Grades Report](ex99-08s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Evolve Exception Detail Report](ex99-08s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Evolve Valuation Report](ex99-08s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Evolve Data Compare Report](ex99-08s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Evolve QM ATR Data Report](ex99-08s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Evolve Additional Data Report](ex99-08s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Evolve Business Purpose Report](ex99-08s7.htm)

[99.09](ex99-09.htm) [Infinity IPS, Inc. ("**Infinity**") Narrative](ex99-09.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Infinity Rating Agency Grade Report](ex99-09s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Infinity Loan Level Exception Report](ex99-09s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Infinity Individual Exception Report](ex99-09s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Infinity Valuation Report](ex99-09s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Infinity Supplemental Data Report](ex99-09s5.htm)

[99.10](ex99-10.htm) [Maxwell Diligence Solutions, LLC ("**Maxwell**") Narrative](ex99-10.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Maxwell Standard Exceptions Report](ex99-10s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Maxwell Grading Report](ex99-10s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Maxwell Valuation Report](ex99-10s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Maxwell Supplemental Data Report](ex99-10s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Maxwell Business Purpose Supplement Report](ex99-10s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Maxwell Data Compare Report](ex99-10s6.htm)

[99.11](ex99-11.htm) [Mortgage Connect LP ("**MC**") Narrative](ex99-11.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [MC Supplemental Data Report](ex99-11s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [MC Business Purpose Supplement Report](ex99-11s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [MC Rating Agency Grades Summary Report](ex99-11s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [MC Rating Agency Grades Detail Report](ex99-11s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [MC Valuation Report](ex99-11s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [MC ATR or QM Report](ex99-11s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [MC Data Compare Report](ex99-11s7.htm)

[99.12](ex99-12.htm) [Opus Capital Markets Consultants, LLC ("**Opus**") Narrative](ex99-12.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Opus Standard Findings Detail Report](ex99-12s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Opus Rating Agency Grades Summary Report](ex99-12s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Opus ATR or QM Report](ex99-12s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Opus Supplemental Data Report](ex99-12s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Opus Business Purpose Report](ex99-12s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Opus Valuation Report](ex99-12s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Opus Data Compare Report](ex99-12s7.htm)

[99.13](ex99-13.htm) [Selene Diligence LLC ("**Selene**") Narrative](ex99-13.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Selene Rating Agency Grades Summary Report](ex99-13s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Selene Standard Findings Report](ex99-13s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Selene Valuation Report](ex99-13s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Selene MLS Report](ex99-13s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Selene Supplemental Data Report](ex99-13s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Selene Business Purpose Report](ex99-13s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Selene Data Compare Report](ex99-13s7.htm)

## Exhibit 99.01

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.01**

![](ex9901001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Ellington Management Group, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted from January 2026 through February 2026 on mortgage loans with origination dates from August 2025 through January 2026 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (17 loans) and the Business Purpose Scope (106 loans). The loans reviewed using the Credit and Compliance Scope and the Business Purpose Scope are referred to as the mortgage loans.

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

The initial population consisted of 123 mortgage loans.

The final population of the Review covered 123 mortgage loans totaling an aggregate original principal balance of approximately $45.643 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |

---

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

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

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

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage

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![](ex9901001.jpg)

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.

**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.

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![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

▪ Reviewing
 and calculating that the DSCR and/or Property DTI conforms with applicable guidelines.

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

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

---

**DATA COLLECTION**

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 the 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 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.

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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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.

&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:** 

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&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;

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;

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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 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

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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. |

---

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. 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

**(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

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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.

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading implications of the Credit, Compliance and Property/Valuation sections, 100.00% of the mortgage loans by number in the pool have a NRSRO grade of "A", or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage** <br> **Loans** | &nbsp;&nbsp;**% of Mortgage** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;108 | &nbsp;&nbsp;87.80% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;12.20% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY** 

Please note that one hundred six (106) Business Purpose were not subjected to a compliance review and did not receive a compliance grade. One (1) mortgage loan reviewed by AMC have a Compliance grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;94.12% |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY** 

All one hundred twenty-three (123) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 87.80% of the mortgage loans by number have a Credit grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage** <br> **Loans** | &nbsp;&nbsp;**% of Mortgage** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;108 | &nbsp;&nbsp;87.80% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;12.20% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

All one hundred twenty-three (123) mortgage loans reviewed by AMC have a Property grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage** <br> **Loans** | &nbsp;&nbsp;**% of Mortgage** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;123 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**NRSRO Final** <br> **Exception** <br> **Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***16*** |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**16** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**17** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 123 mortgage loans reviewed, 109 unique mortgage loans had 225 different tape discrepancies across 16 data fields (some mortgage loans had more than one data delta). The largest variances were found on Note Date, Borrower Last Name and Contract Sales Price.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With** <br> **Discrepancy** | &nbsp;&nbsp;**Total Times** <br> **Compared** | &nbsp;&nbsp;**%** <br> **Variance** | &nbsp;&nbsp;**# Of** <br> **Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;96 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;59 | &nbsp;&nbsp;123 | &nbsp;&nbsp;47.97% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;123 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;28 | &nbsp;&nbsp;96 | &nbsp;&nbsp;29.17% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;13 | &nbsp;&nbsp;38.46% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;96 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;12 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;96 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;96 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;78 | &nbsp;&nbsp;107 | &nbsp;&nbsp;72.90% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;123 | &nbsp;&nbsp;1.63% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;123 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;96 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;96 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;123 | &nbsp;&nbsp;5.69% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;6 | &nbsp;&nbsp;123 | &nbsp;&nbsp;4.88% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;123 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;123 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;19 | &nbsp;&nbsp;103 | &nbsp;&nbsp;18.45% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;123 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;123 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**225** | &nbsp;&nbsp;**2507** | &nbsp;&nbsp;**8.97%** | &nbsp;&nbsp;**123** |

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;122 | &nbsp;&nbsp;99.19% | &nbsp;&nbsp;$44870399.00 | &nbsp;&nbsp;98.31% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;$772500.00 | &nbsp;&nbsp;1.69% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45642899.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;123 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$45642899.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45642899.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;60 | &nbsp;&nbsp;48.78% | &nbsp;&nbsp;$20144700.00 | &nbsp;&nbsp;44.14% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.88% | &nbsp;&nbsp;$3192400.00 | &nbsp;&nbsp;6.99% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;44 | &nbsp;&nbsp;35.77% | &nbsp;&nbsp;$17258899.00 | &nbsp;&nbsp;37.81% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;13 | &nbsp;&nbsp;10.57% | &nbsp;&nbsp;$5046900.00 | &nbsp;&nbsp;11.06% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45642899.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;121 | &nbsp;&nbsp;98.37% | &nbsp;&nbsp;$41935399.00 | &nbsp;&nbsp;91.88% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.63% | &nbsp;&nbsp;$3707500.00 | &nbsp;&nbsp;8.12% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45642899.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;67 | &nbsp;&nbsp;54.47% | &nbsp;&nbsp;$20656580.00 | &nbsp;&nbsp;45.26% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;$574000.00 | &nbsp;&nbsp;1.26% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.63% | &nbsp;&nbsp;$345800.00 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;21 | &nbsp;&nbsp;17.07% | &nbsp;&nbsp;$11580769.00 | &nbsp;&nbsp;25.37% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;$138750.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;20 | &nbsp;&nbsp;16.26% | &nbsp;&nbsp;$7415500.00 | &nbsp;&nbsp;16.25% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;$1731500.00 | &nbsp;&nbsp;3.79% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.88% | &nbsp;&nbsp;$3200000.00 | &nbsp;&nbsp;7.01% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45642899.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;15 | &nbsp;&nbsp;12.20% | &nbsp;&nbsp;$11906108.00 | &nbsp;&nbsp;26.09% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;106 | &nbsp;&nbsp;86.18% | &nbsp;&nbsp;$33134091.00 | &nbsp;&nbsp;72.59% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.63% | &nbsp;&nbsp;$602700.00 | &nbsp;&nbsp;1.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45642899.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

## Exhibit 99.01

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXX | 2114522 | XXX |  |  | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| XXX | 2114523 | XXX |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2114525 | XXX |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2114524 | XXX |  |  | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| XXX | 2109762 | XXX |  |  | C |  | A | C | A |  |  |  |  |  |  | A | A |  |
| XXX | 2119749 | XXX |  |  | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2119750 | XXX |  |  | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2119748 | XXX |  |  | C | A | A | C | B |  | A | A | A | A | A | A | B |  |
| XXX | 2119747 | XXX |  |  | C | A | A | C | B |  | A | A | A | A | A | A | B |  |
| XXX | 2119751 | XXX |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2119752 | XXX |  |  | B | A | A | B | B |  | A | A | A | A | A | A | B |  |
| XXX | 2121349 | XXX |  |  | B | C | A | C | B |  | A | A | A | A | A | A | B |  |
| XXX | 2121351 | XXX |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2121352 | XXX |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2121348 | XXX |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2121350 | XXX |  |  | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| XXX | 2121347 | XXX |  |  | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| XXX | 2109989 | XXX |  |  | C |  | A | C | A |  |  |  |  |  |  | A | A |  |
| XXX | 2096185 | XXX |  |  | B | C | A | C | B |  | A | A | A | A | A | A | B |  |
| XXX | 2096179 | XXX |  |  | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2107666 | XXX |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2107675 | XXX |  |  | D | C | A | D | B |  | A | A | A | A | A | A | B |  |
| XXX | 2096178 | XXX |  |  | B |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2107674 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2107665 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2107672 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2107680 | XXX |  |  | B |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2107668 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2107677 | XXX |  |  | B |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2124146 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124137 | XXX |  |  | D |  | D | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124164 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124199 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124157 | XXX |  |  | B |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2124163 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124191 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124166 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124121 | XXX |  |  | C |  | A B | C | A |  | N/A | N/A | N/A | N/A | N/A | A B | A B |  |
| XXX | 2124190 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124173 | XXX |  |  | D |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124115 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124114 | XXX |  |  | B |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124165 | XXX |  |  | D |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124184 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124167 | XXX |  |  | B |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124161 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124189 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124116 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124127 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124198 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124204 | XXX |  |  | D |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124209 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124162 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124192 | XXX |  |  | C D |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124208 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124207 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124179 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124176 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124186 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124181 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124144 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124178 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124154 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124183 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124172 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124159 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124194 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124156 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124117 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124153 | XXX |  |  | A |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124138 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124135 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124174 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124125 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124177 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124150 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124122 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124170 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124171 | XXX |  |  | B |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2124200 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124203 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124123 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124152 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124169 | XXX |  |  | B |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2124196 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124187 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124148 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124124 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124197 | XXX |  |  | C D |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124128 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124202 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124160 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124132 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124142 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124134 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124205 | XXX |  |  | D |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124140 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124129 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124136 | XXX |  |  | B |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2124143 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124139 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124149 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124118 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124188 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124175 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124168 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124206 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124126 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124201 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124133 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124130 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124131 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124210 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124193 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124119 | XXX |  |  | C D |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124182 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124195 | XXX |  |  | B |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124180 | XXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124185 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124120 | XXX |  |  | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2124147 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124158 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2124155 | XXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller 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** |
| XXX | 2114522 | XXX |  | 35343684 |  | 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 Exception approval is provided. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2025 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2114522 | XXX |  | 35343682 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-12-22): Client elects to waive<br>Buyer Comment (2025-12-18): [redacted]elects to waive - EV2 |  |  | 12/22/2025 | 2 B |  | XX | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| XXX | 2109762 | XXX |  | 35352802 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject |  |  |  | Reviewer Comment (2025-11-13): The Certificate of Non-Owner Occupied received showing the borrower(s) at different address than the subject. Exception Cleared.<br>Buyer Comment (2025-11-12): Non-Owner | 11/13/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2119749 | XXX |  | 35487049 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence [redacted]Lien | TRID Final Closing Disclosure [redacted]on a [redacted]lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected - Seller's Closing Disclosure document not provided |  |  |  | Reviewer Comment (2025-12-30): [redacted]received Final SS with seller paid closing costs.<br>Buyer Comment (2025-12-29): see attached | 12/30/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| XXX | 2119750 | XXX |  | 35487052 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR. 1003 reflects borrower is renting. For Private party landlords a VOR (or a copy of the current lease) will be required along with [redacted]months of canceled checks. A VOR without canceled checks is allowed for properties managed by a [redacted] |  |  |  | Reviewer Comment (2026-01-06): Lease, pay history, and borrower LOE provided. Per lease, after expiration, lease converts to month to month.<br>Buyer Comment (2026-01-05): see attached | 01/06/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2119750 | XXX |  | 35487053 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | VVOE is dated post close |  |  |  | Reviewer Comment (2026-01-06): Preclose VVOE provided<br>Buyer Comment (2026-01-05): see attached | 01/06/2026 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| XXX | 2119750 | XXX |  | 35487054 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | VVOE is dated post close |  |  |  | Reviewer Comment (2026-01-06): Preclose VVOE provided<br>Buyer Comment (2026-01-05): see attached | 01/06/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2119750 | XXX |  | 35487055 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | VVOE is dated post close |  |  |  | Reviewer Comment (2026-01-06): Preclose VVOE provided<br>Buyer Comment (2026-01-05): see attached | 01/06/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2119750 | XXX |  | 35487056 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | VVOE is dated post close |  |  |  | Reviewer Comment (2026-01-06): Preclose VVOE provided | 01/06/2026 |  |  | 1 A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2119748 | XXX |  | 35487057 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2026-01-06): Received and associated HOA verification for the property #[redacted]. Exception cleared.<br>Buyer Comment (2026-01-02): see attached | 01/06/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2119748 | XXX |  | 35487059 |  | 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 exception approval is provided to allow exception for [redacted]% LTV with less than [redacted]years of self employment. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income exceeds guidelines | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-10): Client elects to waive with verified compensation factors |  |  | 12/10/2025 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2119748 | XXX |  | 35487061 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-09): Sufficient Cure Provided At Closing |  | 12/09/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXX | 2119747 | XXX |  | 35487063 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2026-01-05): Supplement provided<br>Buyer Comment (2026-01-03): see attached | 01/05/2026 |  |  | 1 B A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2119747 | XXX |  | 35487068 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender included [redacted]% of rental income for qualifying on the REO property [redacted] while excluding the debt. In addition, guidelines only allow [redacted]% of rents to be utilized. Investor can elect to waive with verified compensation factors and to allow [redacted]% of rents to be utilized while excluding debt. (Commercial). | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-05): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-01-03): see attached |  |  | 01/05/2026 | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2119752 | XXX |  | 35487079 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for [redacted]acres and exceeds the max allowable. Investor #[redacted]approved. UW to our guides. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-29): The client elects to waive |  |  | 12/29/2025 | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXX | 2121349 | XXX |  | 35608979 |  | 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 [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted] | Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted] |  |  |  | Reviewer Comment (2026-01-10): Final stamped settlement statement provided updating disbursement date. Rescission met.<br>Buyer Comment (2026-01-09): Final HUD attached | 01/10/2026 |  |  | 1 C A |  | 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 C B | Non QM | Non QM | Yes |
| XXX | 2121349 | XXX |  | 35608981 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for Rent for the subject and borrower staying in the [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Additional [redacted]months of reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-26): The client elects to waive. |  |  | 12/26/2025 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2109989 | XXX |  | 35629648 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-10-31): Received<br>Buyer Comment (2025-10-29): Please find final HUD-1 attached. Thank you. | 10/31/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2096185 | XXX |  | 35771363 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided. |  |  |  | Reviewer Comment (2025-10-29): [redacted]received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-28): Borrower requested an interest rate buy down, this was executed on [redacted]. Providing screen snags of [redacted]market locks, COC Reasons and CD emailed to borrower on [redacted], within [redacted]days of this Change in Circumstance, [redacted] does not count [redacted]as a business day. | 10/29/2025 |  |  | 1 C A |  | 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 | Yes |
| XXX | 2096185 | XXX |  | 35771365 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender-Approved allowing for delinquent property taxes. Subject property taxes were delinquent and paid late on property owned free & clear. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-24): Lender exception approval in file |  |  | 10/24/2025 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2096179 | XXX |  | 35771369 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence [redacted]Lien | TRID Final Closing Disclosure [redacted] on a [redacted]lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | The file is missing a copy of Seller's Closing Disclosure. |  |  |  | Reviewer Comment (2025-10-29): [redacted]received seller CD and as per seller CD seller is not obligated to pay any closing cost.<br>Buyer Comment (2025-10-28): Seller CD | 10/29/2025 |  |  | 1 C A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| XXX | 2096179 | XXX |  | 35771370 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No cure was provided. |  |  |  | Reviewer Comment (2025-10-23): Sufficient Cure Provided At Closing |  | 10/23/2025 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXX | 2107675 | XXX |  | 35771383 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. | Guidelines do address all ATR factors. Credit report pull was not attempted for the foreign national borrower as required. |  |  |  | Reviewer Comment (2025-11-25): provided<br>Buyer Comment (2025-11-21): See trailing docs for the lender exception to allow foreign assets<br>Reviewer Comment (2025-11-19): Trailing docs provided for funds to close/reserves are based out of [redacted]<br>Buyer Comment (2025-11-12): See trailing docs | 11/25/2025 |  |  | 1 C A |  | XX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXX | 2107675 | XXX |  | 35771375 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Ability to Repay failure due to the insufficient assets for reserves and cash to close. Lender commentary in file states funds are sourced from the [redacted]-month statement of account #[redacted]. Lender guidelines require [redacted]-day seasoning on all assets. Lender's commentary states the source of the funds in #[redacted]are from an account that meets the seasoning requirements. A [redacted]statement for #[redacted]is required since that is the account that is being used to meet the cash to close and reserve requirements. All other assets do not meet lender requirements due to missing a [redacted]month statement or being foreign funds with no [redacted]presence. |  |  |  | Reviewer Comment (2025-11-25): [redacted] testing | 11/25/2025 |  |  | 1 A |  | XX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXX | 2107675 | XXX |  | 35771382 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Do Not Address [redacted]ATR Factors | Ability to Repay (Dodd-Frank 2014): Guidelines provided do not address all [redacted] factors of ATR. | Guidelines do address all ATR factors. Credit report pull was not attempted for the foreign national borrower as required. |  |  |  | Reviewer Comment (2025-11-19): Received credit pull<br>Buyer Comment (2025-11-12): See trailing docs for credit attempt | 11/19/2025 |  |  | 1 C A |  | XX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXX | 2107675 | XXX |  | 35771381 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Subject transaction does not meet the lender's reserve requirement. Lender commentary in file states funds are sourced from the [redacted]-month statement of account #[redacted]. Lender guidelines require [redacted]-day seasoning on all assets. Lender's commentary states the source of the funds in #[redacted]are from an account that meets the seasoning requirements. A [redacted]statement for #[redacted]is required since that is the account that is being used to meet the cash to close and reserve requirements. All other assets do not meet lender requirements due to missing a [redacted]month statement or being foreign funds with no [redacted]presence. |  |  |  | Reviewer Comment (2025-11-25): provided<br>Buyer Comment (2025-11-21): See trailing docs for the lender exception to allow foreign assets<br>Reviewer Comment (2025-11-17): Received duplicate Bank statement and business entity listing. Exception Remains.<br>Buyer Comment (2025-11-12): See trailing docs for source of foreign funds | 11/25/2025 |  |  | 1 C A |  | XX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXX | 2107675 | XXX |  | 35771380 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Subject transaction does not meet the calculated cash due at closing. Lender commentary in file states funds are sourced from the [redacted]-month statement of account #[redacted]. Lender guidelines require [redacted]-day seasoning on all assets. Lender's commentary states the source of the funds in #[redacted]are from an account that meets the seasoning requirements. A [redacted]statement for #[redacted]is required since that is the account that is being used to meet the cash to close and reserve requirements. All other assets do not meet lender requirements due to missing a [redacted]month statement or being foreign funds with no [redacted]presence. |  |  |  | Reviewer Comment (2025-11-25): provided<br>Buyer Comment (2025-11-21): See attached lender exception for the foreign assets<br>Reviewer Comment (2025-11-17): Received duplicate Bank statement and business entity listing. Exception Remains.<br>Buyer Comment (2025-11-12): See attached. [redacted]bank is where the funds into [redacted] is from. Here are the [redacted]months statement. Also see the conversion and transfer docs again. | 11/25/2025 |  |  | 1 C A |  | XX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXX | 2107675 | XXX |  | 35771378 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file to allow the tax prepared income documentation for the foreign national wage income. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-10): Lender waived with compensating factors. |  |  | 11/10/2025 | 2 B |  | XX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXX | 2107675 | XXX |  | 35771376 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Borrower is a foreign national. Lender guidelines require an attempted credit pull to be documented in file. |  |  |  | Reviewer Comment (2025-11-19): Received<br>Buyer Comment (2025-11-12): See trailing docs for attempt to pull credit | 11/19/2025 |  |  | 1 C A |  | XX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXX | 2107675 | XXX |  | 35771374 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation failure due to the insufficient assets for reserves and cash to close. Lender commentary in file states funds are sourced from the [redacted]-month statement of account #[redacted]. Lender guidelines require [redacted]-day seasoning on all assets. Lender's commentary states the source of the funds in #[redacted] are from an account that meets the seasoning requirements. A [redacted]statement for #[redacted]is required since that is the account that is being used to meet the cash to close and reserve requirements. All other assets do not meet lender requirements due to missing a [redacted]month statement or being foreign funds with no [redacted]presence. |  |  |  | Reviewer Comment (2025-11-25): Credit pull in file.<br>Buyer Comment (2025-11-21): See trailing docs for the lender exception to allow foreign assets<br>Reviewer Comment (2025-11-19): received trailing docs however the XXX account showing the funds to close is still in [redacted]<br>Buyer Comment (2025-11-12): See trailing docs for source of foreign funds | 11/25/2025 |  |  | 1 B A C |  | XX | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | Yes |
| XXX | 2107675 | XXX |  | 35771379 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Borrower is a foreign national. Lender guidelines require an attempted credit report pull that is not found in file. |  |  |  | Reviewer Comment (2025-11-19): Received<br>Buyer Comment (2025-11-17): There is no credit report the borrower is a foreign national. The attempt to pull was sent to you.<br>Reviewer Comment (2025-11-17): Required Credit Report. Exception Remains.<br>Buyer Comment (2025-11-12): See attached attempt to run credit | 11/19/2025 |  |  | 1 D A |  | XX | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| XXX | 2096178 | XXX |  | 35771514 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title coverage is less than the loan amount. Provide a current copy of the preliminary, commitment, or final title. |  |  |  | Reviewer Comment (2025-10-30): Received amendment<br>Buyer Comment (2025-10-27): Schedule A with correct insurance amount | 10/30/2025 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2096178 | XXX |  | 35771515 |  | 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 ___. | Lender-Approved allowing for borrower to receive > $[redacted]cash-out on a [redacted]% LTV transaction, [redacted]a [redacted]% LTV guideline minimum. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC | Reviewer Comment (2025-10-23): Lender approved exception in file |  |  | 10/23/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2107665 | XXX |  | 35771518 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing required document for [redacted]. Provided good standing is not dated as required. |  |  |  | Reviewer Comment (2025-11-12): Certificate of Good Standing associated. Exception Cleared<br>Buyer Comment (2025-11-10): attached | 11/12/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2107680 | XXX |  | 35771523 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender allowed for borrower to be [redacted]point short of fico guideline requirement ([redacted]vs. [redacted]required). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-24): Lender exception approval in file |  |  | 11/24/2025 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXX | 2107677 | XXX |  | 35771526 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed for a [redacted] unit with an [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-24): Lender exception approval in file |  |  | 11/24/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2124137 | XXX |  | 35788782 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2025-09-23): 1025<br>Buyer Comment (2025-09-19): appraisal | 09/23/2025 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2124137 | XXX |  | 35788785 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2025-09-23): 1025<br>Buyer Comment (2025-09-19): see attached appraisal | 09/23/2025 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2124137 | XXX |  | 35788783 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-09-23): 1025<br>Buyer Comment (2025-09-22): appraisal is dated [redacted]. Is [redacted]an error? | 09/23/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2124157 | XXX |  | 35788789 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception requesting borrower can only prove most recent [redacted]months payments to private lender for subject property see con log for additional info<br> DSCR>[redacted]%, equal to [redacted]month addt't reserves and <= $[redacted]and [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator Pre-Close,SitusAMC | Reviewer Comment (2025-09-19): Waived with compensating factors per lender exceptions approval at origination. |  |  | 09/19/2025 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2124121 | XXX |  | 35788793 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | A [redacted]Valuation is required. The desk and field reviews did not disclose a qualifying value. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2025-10-09): Waived with compensating factors at clients request.<br>Buyer Comment (2025-10-07): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-10-03): This is for the Desk Review only.<br>Buyer Comment (2025-10-01): Field review question [redacted]agrees with market value provided on appraisal; A value would not be provided. |  |  | 10/09/2025 | 2 A B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2124121 | XXX |  | 35788794 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-10-03): Post closing Fraud Report used to clear OFAC only.<br>Buyer Comment (2025-10-01): fraud | 10/03/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2124190 | XXX |  | 35788795 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted]days prior to the note date. |  | Credit report is dated more than [redacted]days. |  |  |  | Reviewer Comment (2025-10-09): Updated credit.<br>Buyer Comment (2025-10-07): [redacted] | 10/09/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124173 | XXX |  | 35788796 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement missing in loan file. |  |  |  | Reviewer Comment (2025-10-09): Guarantor Agreement.<br>Buyer Comment (2025-10-07): Guaranty | 10/09/2025 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2124114 | XXX |  | 35788799 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-10-10): Updated commitment.<br>Buyer Comment (2025-10-08): Please see attached Title Prelim | 10/10/2025 |  |  | 1 B A |  | XX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXX | 2124165 | XXX |  | 35788802 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated Settlement Statement provided. |  |  |  | Reviewer Comment (2025-10-23): Received final settlement statement<br>Buyer Comment (2025-10-21): [redacted]-Please see attached | 10/23/2025 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2124167 | XXX |  | 35788806 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted]. |  |  |  | Reviewer Comment (2025-11-03): Updated title commitment.<br>Buyer Comment (2025-10-30): Updated title commitment with acceptable coverage. | 11/03/2025 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2124189 | XXX |  | 35788809 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender listed on the desk review does not match the lender on the Note. |  |  |  | Reviewer Comment (2025-11-12): Received CDA with corrected lender name. Exception Cleared.<br>Buyer Comment (2025-11-10): Corrected Lender name on Desk review, see attached. | 11/12/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124116 | XXX |  | 35788811 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2025-11-12): Received 1008 document reflects Underwriter discretion for borrower living rent free. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-11-10): [redacted]-Please see attached | 11/12/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124204 | XXX |  | 35788815 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report is missing in file. |  |  |  | Reviewer Comment (2025-12-03): Provided credit report. Exception cleared.<br>Buyer Comment (2025-12-01): Please find credit report pages #[redacted]thru #[redacted]. Thank you.<br>Buyer Comment (2025-12-01): Please find credit report pages [redacted] attached. Thank you.<br>Buyer Comment (2025-12-01): Please find credit report pages [redacted]attached. Thank you.<br>Buyer Comment (2025-12-01): Please find credit report pages[redacted] attached. Thank you. | 12/03/2025 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2124204 | XXX |  | 35788817 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Missing credit report. |  |  |  | Reviewer Comment (2025-12-03): Provided credit report. Exception cleared.<br>Buyer Comment (2025-12-01): Please clear. Thank you.<br>Buyer Comment (2025-12-01): Please note Borrowers mid fico is [redacted]. Thank you.<br>Buyer Comment (2025-12-01): Please find credit report pages #[redacted]thru #[redacted]. Thank you. | 12/03/2025 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2124192 | XXX |  | 35788821 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing appraisal invoice for $[redacted]. |  |  |  | Reviewer Comment (2025-12-08): Invoice.<br>Buyer Comment (2025-12-04): [redacted]-Please see attached<br>Reviewer Comment (2025-12-04): Received Closing statement however required appraisal invoice letter. Exception Remains.<br>Buyer Comment (2025-12-03): [redacted]-Please see attached | 12/08/2025 |  |  | 1 C A D |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2124192 | XXX |  | 35788822 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation allowing guideline exception. |  |  |  | Reviewer Comment (2025-12-04): Received 1008. Exception Cleared.<br>Buyer Comment (2025-12-03): [redacted]-Please see attached | 12/04/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2124192 | XXX |  | 35788823 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction - Business entity is missing. |  |  |  | Reviewer Comment (2025-12-04): Received OFAC. Exception Cleared.<br>Buyer Comment (2025-12-02): [redacted]-Please see attached | 12/04/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2124208 | XXX |  | 35788825 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | All judgements are required to be paid off. |  |  |  | Reviewer Comment (2025-12-03): Satisfaction of Judgment already in file. Exception Cleared.<br>Buyer Comment (2025-12-01): [redacted] satisfaction | 12/03/2025 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124208 | XXX |  | 35788826 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2025-12-05): NOO Cert.<br>Reviewer Comment (2025-12-05): In provided Non-Owner Occupancy Declaration section [redacted]does not reflect the primary residence address. Exception remains.<br>Buyer Comment (2025-12-03): Non-Owner<br>Reviewer Comment (2025-12-03): Provided Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. Exception Remains.<br>Buyer Comment (2025-12-01): Non-Owner | 12/05/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124179 | XXX |  | 35788829 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing source of funds for $[redacted]earnest money. |  |  |  | Reviewer Comment (2025-12-03): Per received 1031 exchange agreement and letter, source of funds for earnest money of $[redacted]is 1031 exchange funds. Exception cleared.<br>Buyer Comment (2025-12-01): 1031 exchange<br>Buyer Comment (2025-12-01): [redacted] deposit 1031 exchange | 12/03/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2124176 | XXX |  | 35788831 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of access to funds for [redacted] was not provided. |  |  |  | Reviewer Comment (2025-12-05): Evidence of [redacted]% access to funds received<br>Buyer Comment (2025-12-03): Please see attached and waive as the Borrower is owner/operator of [redacted]Comp factors: Borrowers fico is [redacted]+ points over the minimum required for this program/product. Borrower has verified reserves of [redacted]+ mths & the ltv is less than the max the program permits. Thanks so much.<br>Buyer Comment (2025-12-03): Please see attached and waive as the Borrower is owner/operator of[redacted]. Comp factors: Borrowers fico is [redacted]+ points over the minimum required for this program/product. Borrower has verified reserves of [redacted]+ mths & the ltv is less than the max the program permits. Thanks so much. | 12/05/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2124178 | XXX |  | 35788836 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Missing Articles of Organization/Formation for borrowing entity. |  |  |  | Reviewer Comment (2025-12-16): Articles of Organization/Formation for borrowing entity received. Exception Cleared<br>Buyer Comment (2025-12-12): certificate of formation<br>Reviewer Comment (2025-12-12): Provided document is not an Articles of Organization/Formation. Exception remains.<br>Buyer Comment (2025-12-10): Certificate of Formation for [redacted] | 12/16/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124153 | XXX |  | 35788847 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  |  |  |  |  | Reviewer Comment (2026-01-09): Field review appraisal provided and associated. Exception cleared<br>Buyer Comment (2026-01-07): loan qualifies using the lowest appraised value of $[redacted]. see attached revised 1008<br>Buyer Comment (2026-01-07): 1008<br>Reviewer Comment (2026-01-07): Appraisal value provided in Field review does not support the value used to qualify. Exception Remains.<br>Buyer Comment (2026-01-05): field review | 01/09/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124135 | XXX |  | 35788850 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | fraud report is missing in loan file |  |  |  | Reviewer Comment (2025-12-15): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2025-12-11): see attached | 12/15/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2124135 | XXX |  | 35788851 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing |  |  |  | Reviewer Comment (2025-12-15): Received Fraud Report with OFAC. Exception Cleared.<br>Buyer Comment (2025-12-11): see attached | 12/15/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2124135 | XXX |  | 35788852 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2025-12-15): Received Hazard Insurance. Exception Cleared.<br>Buyer Comment (2025-12-11): Please see attached HOI with lower annual premium. This should increase the DSCR. to [redacted]. | 12/15/2025 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2124171 | XXX |  | 35788858 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Tax liens are required to be paid at or prior to closing. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC | Reviewer Comment (2026-01-13): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-01-09): exception<br>Reviewer Comment (2026-01-07): If Lender is accepting document provided, a request to waive can be made; however, we would be unable to clear as the tax lien is reporting on the fraud report as unpaid per the documents provided.<br>Buyer Comment (2026-01-05): tax search |  |  | 01/13/2026 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXX | 2124123 | XXX |  | 35788861 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provided Lease Agreement Property street address Incorrect "[redacted]" Instead of "[redacted]", Provide Lease Agreement with correct subject address. |  |  |  | Reviewer Comment (2026-01-15): Lease agreement with corrected address received. Exception cleared.<br>Buyer Comment (2026-01-13): lease | 01/15/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124169 | XXX |  | 35788864 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow durable POA Instead of the required limited POA for borrower to sign on behalf of husband who is only on title not on the loan. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Combined Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]%<br>Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]% | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-12-26): Waived with compensating factors per lender exception approval at origination. |  |  | 12/26/2025 | 2 B |  | XX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXX | 2124196 | XXX |  | 35788866 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2025-12-24): Received Hazard Insurance Policy document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-12-22): See hazard dec page uploaded [redacted]. | 12/24/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124196 | XXX |  | 35788868 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-12-24): Received Hazard Insurance Policy document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-12-22): Hazard Dec page. | 12/24/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124148 | XXX |  | 35788874 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free with someone other than a spouse. This does not meet the guidelines. File is missing underwriter discretion documentation. |  |  |  | Reviewer Comment (2026-01-06): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-01-02): See UW's 1008 comments. | 01/06/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2124148 | XXX |  | 35788875 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | File is missing either bank statements or cancelled checks to confirm subject property payments. |  |  |  | Reviewer Comment (2026-01-06): VOM is located in the file for subject property. Exception cleared.<br>Buyer Comment (2026-01-02): See loe for rent free. | 01/06/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2124197 | XXX |  | 35788878 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free with spouse, but the file is missing evidence of spouse's mortgage or current lease, or a letter disclosing that the property is owned free and clear |  |  |  | Reviewer Comment (2026-01-09): Updated 1008 received with underwriter discretion for Borrower is living rent free along with rent free letter and lender exception. Exception Cleared.<br>Buyer Comment (2026-01-07): [redacted]-Please see attached | 01/09/2026 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2124197 | XXX |  | 35788879 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrower lives rent free with spouse. Underwriter discretion is missing from the file. |  |  |  | Reviewer Comment (2026-01-09): Updated 1008 received with underwriter discretion for Borrower is living rent free along with rent free letter. Exception Cleared.<br>Buyer Comment (2026-01-07): [redacted]-Please see attached | 01/09/2026 |  |  | 1 C A D |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2124134 | XXX |  | 35788885 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2026-01-16): Received Guarantee Agreement. Exception Cleared.<br>Buyer Comment (2026-01-14): [redacted]-Please see attached | 01/16/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124205 | XXX |  | 35788886 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2026-01-07): Credit Report received, exception cleared.<br>Buyer Comment (2026-01-05): [redacted]-Please see attached | 01/07/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2124129 | XXX |  | 35788893 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2026-01-16): Received Guarantee Agreement signed by spousal. Exception Cleared.<br>Buyer Comment (2026-01-14): [redacted]-Please see attached | 01/16/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124129 | XXX |  | 35788894 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  |  |  |  | Reviewer Comment (2026-01-16): Received Guarantee Agreement signed by spousal. Exception Cleared.<br>Buyer Comment (2026-01-14): [redacted]-Please see attached | 01/16/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124129 | XXX |  | 35788892 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | "Full Fraud Report missing, only Alerts Summary Section provided." |  |  |  | Reviewer Comment (2026-01-20): Fraud Report received and verified the details. Exception Cleared. | 01/20/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124129 | XXX |  | 35788891 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is Missing in loan file. |  |  |  | Reviewer Comment (2026-01-16): Received closing statement. Exception cleared.<br>Buyer Comment (2026-01-14): [redacted]-Please see attached | 01/16/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124129 | XXX |  | 35788889 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | "Full Fraud Report missing, only Alerts Summary Section provided." |  |  |  | Reviewer Comment (2026-01-20): Fraud Report received and verified the details. Exception Cleared.<br>Buyer Comment (2026-01-15): fruad | 01/20/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124136 | XXX |  | 35788896 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Liens and judgements are required to be paid off. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator,SitusAMC | Reviewer Comment (2026-01-09): Waived with compensating factors per lender approved exception in trailing docs.<br>Buyer Comment (2026-01-07): exception<br>Buyer Comment (2026-01-07): $[redacted] |  |  | 01/09/2026 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2124126 | XXX |  | 35788906 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. |  | OFAC is missing for the business entity. |  |  |  | Reviewer Comment (2026-01-13): Provided OFAC search of the borrowing business entity. Exception cleared.<br>Buyer Comment (2026-01-09): [redacted]-Please see attached | 01/13/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2124131 | XXX |  | 35788915 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | File is missing photo identification. |  |  |  | Reviewer Comment (2026-01-28): Received PDF of [redacted]. Exception cleared.<br>Buyer Comment (2026-01-28): Please find ID attached. Thank you. | 01/28/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124119 | XXX |  | 35788919 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-01-13): Received 1008 with underwriter comment. Exception Cleared.<br>Buyer Comment (2026-01-09): uw discretion | 01/13/2026 |  |  | 1 C A D |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2124195 | XXX |  | 35788921 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2026-01-14): Received Title Commitment. Exception Cleared<br>Buyer Comment (2026-01-12): Please find title loan amount correction attached. Thank you. | 01/14/2026 |  |  | 1 B A |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXX | 2124180 | XXX |  | 35788924 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free with someone other than a spouse. File is missing underwriter documentation allowing rent free credit exception. |  |  |  | Reviewer Comment (2026-01-12): Received 1008 document reflects underwriter discretion. Verified and updated details. Exception Cleared.<br>Buyer Comment (2026-01-08): [redacted]-Please see attached | 01/12/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2124120 | XXX |  | 35788926 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate reflects address as [redacted]vs Note reflects [redacted]. |  |  |  | Reviewer Comment (2026-01-16): Received flood certificate with correct subject property address. Exception cleared.<br>Buyer Comment (2026-01-14): Flood | 01/16/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2124120 | XXX |  | 35788927 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Appraisal & UCDP reflects address as [redacted]vs Note which reflects [redacted]. | Borrower has owned the subject property for at least [redacted]years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-27): Waived with compensating factors at clients request.<br>Buyer Comment (2026-01-27): Please waive. |  |  | 01/27/2026 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2124120 | XXX |  | 35788928 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI Policy reflects address as [redacted]vs Note reflects [redacted]. | Borrower has owned the subject property for at least [redacted]years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-27): Waived with compensating factors at clients request.<br>Buyer Comment (2026-01-27): Please waive. |  |  | 01/27/2026 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 3**

![](situs-logo.jpg)

**Valuation Report**

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review 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** |
| XXX | 2114522 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2114523 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2114525 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.40 |
| XXX | 2114524 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXX | 2109762 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXX | 2119749 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2119750 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2119748 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2119747 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.660% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2119751 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| XXX | 2119752 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2121349 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2121351 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| XXX | 2121352 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2121348 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2121350 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.330% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2121347 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2109989 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 2096185 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXX | 2096179 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.460% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2107666 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2107675 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXX | 2096178 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXX | 2107674 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| XXX | 2107665 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2107672 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| XXX | 2107680 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2107668 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2107677 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124146 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124137 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124164 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124199 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124157 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 2124163 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124191 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 2124166 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXX | 2124121 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124190 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124173 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| XXX | 2124115 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124114 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124165 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| XXX | 2124184 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124167 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2124161 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXX | 2124189 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.30 |
| XXX | 2124116 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124127 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.640% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124198 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXX | 2124204 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124209 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXX | 2124162 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| XXX | 2124192 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124208 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124207 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2124179 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXX | 2124176 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 2124186 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124181 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXX | 2124144 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXX | 2124178 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124154 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXX | 2124183 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124172 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 2124159 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXX | 2124194 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124156 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124117 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124153 | XXX |  |  |  |  |  |  |  | 17.650% |  |  |  | Appraisal |  |  |  |  |  |  | 2.940% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124138 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124135 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124174 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2124125 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124177 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.880% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  | -5.880% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124150 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124122 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124170 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXX | 2124171 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124200 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124203 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124123 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124152 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXX | 2124169 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124196 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXX | 2124187 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXX | 2124148 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXX | 2124124 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124197 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2124128 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124202 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124160 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124132 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |
| XXX | 2124142 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124134 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| XXX | 2124205 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXX | 2124140 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124129 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |
| XXX | 2124136 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 2124143 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2124139 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124149 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124118 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124188 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124175 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2124168 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 2124206 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124126 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124201 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124133 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| XXX | 2124130 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXX | 2124131 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| XXX | 2124210 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124193 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124119 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124182 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXX | 2124195 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124180 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124185 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2124120 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124147 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124158 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2124155 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **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 Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **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** | **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** | **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** | **Document Type** | **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** | **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** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| XXX | 2114522 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  | XXX | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2114523 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  | XXX | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| XXX | 2114525 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  | XXX | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2114524 | XXX |  | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2109762 | XXX |  | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2119749 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 | XXX |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2119750 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | 0 | XXX | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2119748 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | 0 | XXX | 0 | 0 | 0 | 0 |  | XXX | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| XXX | 2119747 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  | XXX |  |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | XXX | XXX | XXX | XXX | XXX |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |  | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | 0.00 | Yes |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| XXX | 2119751 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | 0 |  | 0 | 0 | 0 | 0 | XXX |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2119752 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  | XXX | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| XXX | 2121349 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX |  | 0 | 0 | XXX | XXX |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | 23 |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2121351 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX | XXX |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2018<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | 0.00 | Yes |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2121352 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | 0 | 0 | XXX | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2121348 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| XXX | 2121350 | XXX |  | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2121347 | XXX |  | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2109989 | XXX |  | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2096185 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  | XXX | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2096179 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX | XXX |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2107666 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | XXX | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2107675 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX |  | 0 | 0 | XXX | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 |
| XXX | 2096178 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2107674 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2107665 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  | XXX |  |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2107672 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2107680 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2107668 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2107677 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124146 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 2 |
| XXX | 2124137 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124164 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124199 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124157 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124163 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  | XXX |  |  | XXX |  |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124191 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124166 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124121 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124190 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124173 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124115 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  | XXX |  |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124114 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  | XXX |  |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124165 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| XXX | 2124184 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124167 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124161 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 4 |
| XXX | 2124189 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Broker |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124116 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124127 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124198 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124204 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124209 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124162 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124192 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124208 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 4 |
| XXX | 2124207 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124179 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| XXX | 2124176 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124186 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124181 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124144 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124178 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124154 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124183 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124172 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124159 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124194 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124156 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124117 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124153 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124138 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124135 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Broker |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124174 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124125 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  | XXX |  |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124177 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124150 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124122 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124170 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124171 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124200 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124203 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124123 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124152 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 3 |
| XXX | 2124169 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124196 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124187 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124148 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124124 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 4 |
| XXX | 2124197 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124128 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124202 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124160 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 3 |
| XXX | 2124132 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124142 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124134 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124205 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124140 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124129 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124136 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 2 |
| XXX | 2124143 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124139 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 3 |
| XXX | 2124149 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 3 |
| XXX | 2124118 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124188 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124175 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124168 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124206 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124126 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124201 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Short Form | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124133 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124130 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124131 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124210 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124193 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXX | 2124119 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| XXX | 2124182 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 2 |
| XXX | 2124195 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124180 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| XXX | 2124185 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  | XXX |  |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124120 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 8 |
| XXX | 2124147 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 2 |
| XXX | 2124158 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | 1 |
| XXX | 2124155 | XXX |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.01 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XXX | 2114524 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2109762 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2121350 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2121347 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Corp | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2109989 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2096178 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Corp | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2107674 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2107665 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2107672 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2107680 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2107668 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2107677 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124146 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124137 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124164 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124199 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124157 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124163 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124191 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 5 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124166 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124121 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 7 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124190 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | Long Term | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124173 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124115 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124114 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124165 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124184 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Retired |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124167 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor | XXX |  | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Trust | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124161 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124189 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124116 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124127 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124198 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124204 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No | No | First-Time Investor |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124209 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124162 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124192 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124208 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124207 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124179 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124176 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124186 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124181 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124144 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 7 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124178 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124154 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124183 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124172 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124159 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124194 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124156 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124117 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124153 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124138 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124135 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124174 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124125 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124177 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124150 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124122 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124170 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Corp | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124171 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124200 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX | XXX |  |  |  | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 5 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124203 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124123 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Corp | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124152 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124169 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124196 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124187 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124148 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124124 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124197 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | Non-Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124128 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124202 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124160 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124132 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124142 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124134 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124205 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124140 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX | XXX |  |  |  | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124129 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124136 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124143 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 8 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124139 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124149 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124118 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Corp | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124188 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124175 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124168 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124206 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124126 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124201 | XXX |  |  |  |  |  |  | Yes | No | Not Provided |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Not Provided |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124133 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124130 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124131 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124210 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124193 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124119 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124182 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124195 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2124180 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124185 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124120 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124147 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124158 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2124155 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | XXX |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02**

![](ex9902001.jpg)

**NARRATIVE**

**EFMT 2026-NQM3**

**By Canopy Financial Technology Partners LLC on February 20, 2026**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

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

![](ex9902001.jpg)

 **Description of Services** 

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Ellington Management Group, LLC (the "Client") or its affiliated company. The Review was conducted from September 2025 to January 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of sixteen (16) loans with an aggregate principal balance of $6,623,955.

**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., and Kroll Bond Rating Agency, LLC.

**Data Integrity** 

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |

---

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

![](ex9902001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting** 

Canopy reviewed each Loan File to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria or other requirements provided by the Client, including, as applicable, Ability to Repay (ATR) and Qualified Mortgage (QM) requirements. The Credit Qualification review consisted of the following:

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

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

![](ex9902001.jpg)

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

● All known borrower-owned properties are disclosed on the REO Section;

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

● A credit report or alternative credit history as applicable to loan type is present for each borrower;

● Bankruptcy and foreclosure seasoning;

● Capture the monthly consumer debt payments for use in the applicable DTI calculation;

● Installment and revolving payment history;

● Mortgage/rental payment history;

● Note and research the Real Estate Owned, OFAC, and Fraud alerts;

● Number of tradelines; and

● Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

● IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor.

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

![](ex9902001.jpg)

In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

● Depository account statements;

● Gift funds;

● Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

● Stock or security account statements; and/or

● VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

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

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

● Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

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

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

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

![](ex9902001.jpg)

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

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

**Automated Underwriting System Findings:** N/A

**Document Review** 

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

● Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section herein;

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

● Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the

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"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:

(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;

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(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;&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;&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;&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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure

**II.** **Anti-Predatory Lending (Assignee Liability)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or
consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any loan that is determined
to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition
was reported.

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to determine compliance
with the following requirements of TILA and Regulation Z, including, but not limited to, the following:

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

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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;&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;&nbsp;&nbsp;&nbsp;&nbsp;iii. **Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the
applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations
promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review to ensure compliance
with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures
(Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership
Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance with the January 18,
2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application,
the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver.
The disclosure of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR
§ 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation
V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR will test for state prepayment and late charge restrictions. If a prepayment penalty that exceeds
the state permitted penalty has expired, this must be reported.

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**State & Local Anti-Predatory Requirements** 

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

● Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

● California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

● Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

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

● Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

● District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

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

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

● Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

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

● Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

● Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

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

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

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

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

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

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

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

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

● Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

● Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

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

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

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● 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.

● 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"

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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.

Note: for loans designated as QM – Agency eligible (QM – Temporary), Canopy will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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**VALUATION REVIEW** 

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

● With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license, and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within the original appraisal.

***Independent third-party values***

Canopy applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

● If a Desk Review, or other acceptable review product, was provided supporting the origination appraised value within a -10% variance and acceptable confidence score, no additional products were required.

● In the event a Desk Review yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review or second appraisal was ordered to further establish value.

**Agency Eligible Loans:** 

● For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.

● For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

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 **Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

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. |

---

---

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

---

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| | |
|:---|:---|
| &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** | 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. 81.25% (13 loans) have an overall grade of "A" and 18.75% (3 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 81.25%, (13 loans) of mortgage loans reviewed, and 18.75% (3 loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (16 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 93.75%, (15 loans) of mortgage loans reviewed, and 6.25% (1 loan) has a Property/Valuation grade of "B".

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

![](ex9902001.jpg)

**FINDINGS TABLE**

**REVIEW TABLES** 

---

| | | |
|:---|:---|:---|
| &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;13 | &nbsp;&nbsp;81.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;18.75% |
| &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;**16** | &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;13 | &nbsp;&nbsp;81.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;18.75% |
| &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;**16** | &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;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**16** | &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;15 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% |
| &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;**16** | &nbsp;&nbsp;**100.00%** |

---

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

![](ex9902001.jpg)

 **Additional Loan Summary Details** 

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$6623955.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6623955.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$6623955.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6623955.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;5 | &nbsp;&nbsp;31.25% | &nbsp;&nbsp;$1091575.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;18.75% | &nbsp;&nbsp;$909000.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;7 | &nbsp;&nbsp;43.75% | &nbsp;&nbsp;$4199630.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$423750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6623955.00** |
| &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;16 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$6623955.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6623955.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;6 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$3153080.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;10 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;$3470875.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6623955.00** |

---

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

![](ex9902001.jpg)

**DATA COMPARISON RESULTS** 

Of the sixteen (16) mortgage loan files reviewed, six (6) unique loans (37.50% by number) had eight (8) tape comparison discrepancies across five (5) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;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;2 | &nbsp;&nbsp;16 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp; Property Value<br>| &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp; Property Type<br>| &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;16 | &nbsp;&nbsp;18.75% |

---

**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.* 

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

![](ex9902001.jpg)

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.* 

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

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 1**

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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** | **Default Interest Rate** | **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 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** | **Borrower Months of Paystubs Verified** | **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** | **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 # 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** | **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** | **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** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **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** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 2121360 |  | 2121360 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.250% |  | xxx | Yes | 12.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 |  | 1 |  | 1 |  | Unknown | Unknown | Unknown |  | 10.40 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.029 | 1.02 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 31.01 | xxx | 31.01 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2110971 |  | 2110971 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.12% | 41.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 86.36% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 22.33 | xxx | 22.33 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2098693 |  | 2098693 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.03% | 39.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.05 | xxx | 7.05 | No | 89.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2098696 |  | 2098696 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.08 | 1.082 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 133.56 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2101836 |  | 2101836 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.165 | 1.165 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 93.26 | No | 51.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2114666 |  | 2114666 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 9.47% | 9.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.49 | xxx | 8.49 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2114682 |  | 2114682 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 13.81% | 13.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 34 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 33.98 | xxx | 33.98 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2123473 |  | 2123473 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.750% |  | xxx | Yes | 12.000% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 11.44% | 11.44% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | 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 - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 49.02 | xxx | 49.02 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2114677 |  | 2114677 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.613 | 1.613 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 77.59 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2110975 |  | 2110975 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.339 | 1.33 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 68.06 | xxx | 68.06 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2110976 |  | 2110976 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.38% | 15.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.08 | xxx | 10.08 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2123474 |  | 2123474 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.025 | 1.02 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 30.08 | xxx | 30.08 | No | 75 | N/A | xxx | xxx | xxx | xxx | 3 |
| 2121322 |  | 2121322 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.414 | 1.414 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx | United states of America |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 79.36 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2114483 |  | 2114483 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.062 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | USA Patriot Act Disclosure | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 19.37 | xxx | 19.37 | No | 60 | Yes | xxx | xxx | xxx | xxx | 1 |
| 2124360 |  | 2124360 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.325 | 1.324 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 31.32 | xxx | 31.32 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2124332 |  | 2124332 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.71% | 47.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.29 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 2**

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| **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** |
| 2121360 |  | 2121360 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 | xxx | Other | 12 |  | xxx | Other | Yes | 97.15 | 1.02 | 1.029 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 31.01 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | Full Recourse | xxx |
| 2098696 |  | 2098696 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 92.56 | 1.082 | 1.08 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 133.56 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2101836 |  | 2101836 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 85.87 | 1.165 | 1.165 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx |  |  |  |  |  |  |  | No | 16.6 | 1 | 1 | N/A | 93.26 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2123473 |  | 2123473 | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 49.02 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2114677 |  | 2114677 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 62 | 1.613 | 1.613 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 16.4 | 1 | 1 | N/A | 77.59 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |
| 2110975 |  | 2110975 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 74.68 | 1.33 | 1.339 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | 0 | 1 | 1 | N/A | 68.06 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2123474 |  | 2123474 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 97.53 | 1.02 | 1.025 | xxx | xxx | xxx | 12 | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  | No | No | 1.3 | 1 | 1 | N/A | 30.08 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |
| 2121322 |  | 2121322 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 70.72 | 1.414 | 1.414 | xxx | xxx | xxx | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 17.8 | 1 | 1 | N/A | 79.36 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |
| 2114483 |  | 2114483 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 94.19 | 1 | 1.062 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 19.37 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 2124360 |  | 2124360 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 75.5 | 1.324 | 1.325 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.1 | 1 | 1 | N/A | 31.32 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |

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## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 3**

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| **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** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 2121360 |  | 2121360 C B A | Closed | FCRE1194 | 2025-12-24 11:18 | 2026-02-17 15:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors to allow 75% LTV on a xxx property. - Due Diligence Vendor-02/17/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 65% Per xxx DSCR \| Correspondent Matrix - xxx Properties: Max 65% LTV / Purchase Only (Long Term Rent only & DSCR > 1.0x) Subject is located in a xxx area as short term rental. - Due Diligence Vendor-12/24/2025 |  | Waived-Client exception granted with compensating factors to allow 75% LTV on a rural property. - Due Diligence Vendor-02/17/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.01 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 30+ months reserves; xxx qualifying FICO |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Investor Post-Close | No | xxx |
| 2121360 |  | 2121360 C B A | Closed | FCOM8845 | 2025-09-06 04:31 | 2025-10-13 06:55 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Counter-\*\*Received Re-executed addendum to the DOT; Still missing corrected Note. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Counter-A corrective note is required when errors are identified in the loan terms, including but not limited to an incorrect prepayment provision. - Due Diligence Vendor-09/18/2025 <br> Ready for Review- because this is already fixed on the form and does not over ride it so we manually adjust it is 1% please check with senior management we need this cleared - Seller-09/17/2025 <br> Counter-The calculated amount in your testing and in your GFE indicate 1%, however the terms of the prepayment addendum to the Note indicate 5%. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-It was calculated at 1% - Seller-09/16/2025 <br> Counter-Prepayment addendum to note indicates a 36 month prepayment of 5%. Section xxx - xxx Revised Code - Max prepayment allowed cannot exceed 1%. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-PP are allowed on 1st liens >= $xxx and Loan is already calculated at 1%.<br>- Seller-09/15/2025 <br> Counter-Section xxx - xxx Revised Code - Max prepayment allowed in OH is 1% - Due Diligence Vendor-09/12/2025 <br> Ready for Review-This is allowed because investment and is in LLC name - Seller-09/11/2025 <br> Open-The subject property's state, xxx, does not allow pre-payment penalties for Business Purpose loans. Prepay not allowed. - Due Diligence Vendor-09/06/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Ready for Review- because this is already fixed on the form and does not over ride it so we manually adjust it is 1% please check with senior management we need this cleared - Seller-09/17/2025 <br> Ready for Review-It was calculated at 1% - Seller-09/16/2025 <br> Ready for Review-PP are allowed on 1st liens >= $xxx and Loan is already calculated at 1%.<br>- Seller-09/15/2025 <br> Ready for Review-This is allowed because investment and is in LLC name - Seller-09/11/2025 | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/13/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.01 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 2121360 |  | 2121360 C B A | Closed | FCRE3874 | 2025-09-09 16:25 | 2025-09-09 16:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approval for subject property located in xxx area. - Due Diligence Vendor-09/09/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approval for subject property located in xxx area. - Due Diligence Vendor-09/09/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.01 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Exception approval for seller credit of $xxx. Per guideline, seller credit can only be used for non-recurring closing costs, and the current costs is $xxx. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 2110971 |  | 2110971 C A | Closed | FCOM1252 | 2025-11-05 13:59 | 2025-11-07 10:10 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. It appears initial disclosures in total were missing attached please find which should clear all 9 conditions - Seller-11/06/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. It appears initial disclosures in total were missing attached please find which should clear all 9 conditions - Seller-11/06/2025<br>| Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025<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 - 35.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 0.0<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 - 35.85 Years<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | Purchase | NA | N/A | N/A | xxx |
| 2110971 |  | 2110971 C A | Closed | FCOM1797 | 2025-11-05 14:00 | 2025-11-07 10:10 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review.<br> Service Provider List is Missing. - Due Diligence Vendor-11/05/2025 |  | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025<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 - 35.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 0.0<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 - 35.85 Years<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | N/A | N/A | xxx |
| 2110971 |  | 2110971 C A | Closed | finding-3939 | 2025-11-06 09:59 | 2025-11-07 10:09 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025 <br> Resolved- - Due Diligence Vendor-11/07/2025 <br> Open-\*\*\*The original file is missing the initial loan estimate and any applicable revised loan estimates. Lender to provide the complete initial package that includes initial LE and initial disclosures. - Due Diligence Vendor-11/06/2025 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 |  | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025<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 - 35.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 0.0<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 - 35.85 Years<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | N/A | N/A | xxx |
| 2110971 |  | 2110971 C A | Closed | finding-3635 | 2025-11-06 09:59 | 2025-11-07 10:09 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025 <br> Resolved- - Due Diligence Vendor-11/07/2025 <br> Open-\*\*\*The original file is missing the initial loan estimate and any applicable revised loan estimates. Lender to provide the complete initial package that includes initial LE and initial disclosures. - Due Diligence Vendor-11/06/2025 <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). - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 |  | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025<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 - 35.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 0.0<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 - 35.85 Years<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | N/A | N/A | xxx |
| 2110971 |  | 2110971 C A | Closed | finding-3515 | 2025-11-06 09:59 | 2025-11-07 10:09 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025 <br> Resolved- - Due Diligence Vendor-11/07/2025 <br> Open-\*\*\*The original file is missing the initial loan estimate and any applicable revised loan estimates. Lender to provide the complete initial package that includes initial LE and initial disclosures. - Due Diligence Vendor-11/06/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is 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 or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $xxx, regardless of the actual values on the disclosure.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)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe 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. - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 |  | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025<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 - 35.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 0.0<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 - 35.85 Years<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | N/A | N/A | xxx |
| 2110971 |  | 2110971 C A | Closed | finding-3367 | 2025-11-06 09:59 | 2025-11-07 10:09 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025 <br>Resolved- - Due Diligence Vendor-11/07/2025 <br>Open-\*\*\*The original file is missing the initial loan estimate and any applicable revised loan estimates. Lender to provide the complete initial package that includes initial LE and initial disclosures. - Due Diligence Vendor-11/06/2025 <br>Open-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:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-11/06/2025 <br>Open- - Due Diligence Vendor-11/06/2025 |  | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025<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 - 35.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 0.0<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 - 35.85 Years<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | N/A | N/A | xxx |
| 2110971 |  | 2110971 C A | Closed | finding-3634 | 2025-11-06 09:59 | 2025-11-07 10:09 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025 <br> Resolved- - Due Diligence Vendor-11/07/2025 <br> Open-\*\*\*The original file is missing the initial loan estimate and any applicable revised loan estimates. Lender to provide the complete initial package that includes initial LE and initial disclosures. - Due Diligence Vendor-11/06/2025 <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-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 |  | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025<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 - 35.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 0.0<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 - 35.85 Years<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | N/A | N/A | xxx |
| 2110971 |  | 2110971 C A | Closed | finding-3631 | 2025-11-06 09:59 | 2025-11-07 10:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025 <br>Resolved- - Due Diligence Vendor-11/07/2025 <br>Open-\*\*\*The original file is missing the initial loan estimate and any applicable revised loan estimates. Lender to provide the complete initial package that includes initial LE and initial disclosures. - Due Diligence Vendor-11/06/2025 <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-11/06/2025 <br>Open- - Due Diligence Vendor-11/06/2025 |  | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025<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 - 35.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 0.0<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 - 35.85 Years<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | N/A | N/A | xxx |
| 2110971 |  | 2110971 C A | Closed | finding-3632 | 2025-11-06 09:59 | 2025-11-07 10:09 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025 <br>Resolved- - Due Diligence Vendor-11/07/2025 <br>Open-\*\*\*The original file is missing the initial loan estimate and any applicable revised loan estimates. Lender to provide the complete initial package that includes initial LE and initial disclosures. - Due Diligence Vendor-11/06/2025 <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-11/06/2025 <br>Open- - Due Diligence Vendor-11/06/2025 |  | Resolved-ILE & Initial Disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025<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 - 35.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 0.0<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 - 35.85 Years<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | N/A | N/A | xxx |
| 2098693 |  | 2098693 D A | Closed | FCRE2515 | 2025-11-06 12:22 | 2025-11-14 08:24 | Resolved | 1 - Information C A | Credit | Eligibility | Credit history does not meet guidelines | Resolved-Signed LOE provided - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-Provide Lox for the Credit Inquiries showing in the Credit Report " xxx " and " xxx " and " xxx ". - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-Signed LOE provided - Due Diligence Vendor-11/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 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 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.03% 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 | N/A | N/A | xxx |
| 2098693 |  | 2098693 D A | Closed | FCRE7497 | 2025-11-06 12:23 | 2025-11-14 08:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1003 with corrected rent loss provided. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Counter-Missing updated 1008 as Lender stated below "attached 1008" and the 1003 – showing that we included the Mortgage payment in the debts – no rents collected. No lease agreement required. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. See the attached Red fin print out showing no HOA Dues - Seller-11/12/2025 <br> Counter-Missing 1008 - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. attached 1008 and the 1003 – showing that we included the Mortgage payment in the debts – no rents collected. No lease agreement required - Seller-11/11/2025 <br> Open-Provide HOA document with payment $xxx for the REO Property " xxx ". Also, provide lease (if applicable) for xxx - client is using rental income $xxx per final 1003 - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Ready for Review-Document Uploaded. See the attached Red fin print out showing no HOA Dues - Seller-11/12/2025 <br>Ready for Review-Document Uploaded. attached 1008 and the 1003 – showing that we included the Mortgage payment in the debts – no rents collected. No lease agreement required - Seller-11/11/2025<br>| Resolved-Updated 1003 with corrected rent loss provided. - Due Diligence Vendor-11/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 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 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.03% 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 | N/A | N/A | xxx |
| 2098696 |  | 2098696 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2101836 |  | 2101836 D A | Closed | FCRE1728 | 2025-11-18 15:42 | 2025-11-24 08:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved- - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Please see attached 1007 - Seller-11/21/2025 <br>Counter-Document Uploaded. Loan was approved using the DSCR program, DSCR's are calculated using the Lease Agreement (monthly amount) or the Rent schedule (which ever one is less) This loan has no ratios. using the full PITIA only comes into play when the loan is using income. Please see Elite Guidelines for DSCR requirement. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Can this be escalated to a Manager? The UW is hitting the borrower with the full payment – no rents and no 1007. - Seller-11/20/2025 <br>Counter-Subject Loan is a DSCR Refinance - Per Guidelines: For Refinance: The "lower" of the lease agreement or rent survey is used to determine DSCR - Missing 1007 Rent schedule in order to determine DSCR percentage. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. The UW hit the borrower's with the Full debt no rental amounts were taken into consideration. - Seller-11/19/2025 <br>Open-Missing rent comparable (1007) - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Please see attached 1007 - Seller-11/21/2025 <br>Ready for Review-Can this be escalated to a Manager? The UW is hitting the borrower with the full payment – no rents and no 1007. - Seller-11/20/2025 <br>Ready for Review-Document Uploaded. The UW hit the borrower's with the Full debt no rental amounts were taken into consideration. - Seller-11/19/2025<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 93.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.39% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 51.39% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2114666 |  | 2114666 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2114682 |  | 2114682 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2123473 |  | 2123473 D B A | Closed | FCRE1202 | 2025-12-02 04:39 | 2025-12-09 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/09/2025<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 - 7.70 Years<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 0.04<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.44% 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 49.02 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 2123473 |  | 2123473 D B A | Closed | FVAL5981 | 2025-12-02 05:30 | 2025-12-02 05:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Waived-Exception for property type being classified as a xxx - Due Diligence Vendor-12/02/2025 |  | Waived-Exception for property type being classified as a xxx - Due Diligence Vendor-12/02/2025 | 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 - 7.70 Years<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 0.04<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.44% 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 49.02 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. FICO is xxx<br> 2. DTI is 6.454%<br> 3. P Post closing reserve is 49.02 months, program requires 6 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 2123473 |  | 2123473 D B A | Closed | FPRO1136 | 2025-12-02 04:29 | 2025-12-02 04:29 | Waived | 2 - Non-Material B | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Waived-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Exception for appraisal transfer report is marked as "Subject To". Per guideline, this is In-eligible - Due Diligence Vendor-12/02/2025 |  | Waived-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Exception for appraisal transfer report is marked as "Subject To". Per guideline, this is In-eligible - Due Diligence Vendor-12/02/2025<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 - 7.70 Years<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 0.04<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.44% 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 49.02 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. FICO is xxx<br> 2. DTI is 6.454%<br> 3. P Post closing reserve is 49.02 months, program requires 6 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 2114677 |  | 2114677 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2110975 |  | 2110975 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2110976 |  | 2110976 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2123474 |  | 2123474 B A | Closed | FCRE1195 | 2025-12-18 07:14 | 2025-12-18 07:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% EXCEPTION TO USE LTV OF 75% FOR UNLEASED PROPERTY. AS PER GUIDELINES UNLEASED PROPERTY CAN HAVE A MAX LTV OF 70%. - Due Diligence Vendor-12/18/2025 |  | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% EXCEPTION TO USE LTV OF 75% FOR UNLEASED PROPERTY. AS PER GUIDELINES UNLEASED PROPERTY CAN HAVE A MAX LTV OF 70%. - Due Diligence Vendor-12/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.58 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.08 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | FICO xxx<br> - Reserves 49 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 2123474 |  | 2123474 B A | Closed | FCRE1194 | 2025-12-18 07:14 | 2025-12-18 07:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% EXCEPTION TO USE LTV OF 75% FOR UNLEASED PROPERTY. AS PER GUIDELINES UNLEASED PROPERTY CAN HAVE A MAX LTV OF 70%. - Due Diligence Vendor-12/18/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% EXCEPTION TO USE LTV OF 75% FOR UNLEASED PROPERTY. AS PER GUIDELINES UNLEASED PROPERTY CAN HAVE A MAX LTV OF 70%. - Due Diligence Vendor-12/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.58 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.08 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | FICO xxx<br> - Reserves 49 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 2123474 |  | 2123474 B A | Closed | FCRE1196 | 2025-12-18 07:14 | 2025-12-18 07:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 70% EXCEPTION TO USE LTV OF 75% FOR UNLEASED PROPERTY. AS PER GUIDELINES UNLEASED PROPERTY CAN HAVE A MAX LTV OF 70%. - Due Diligence Vendor-12/18/2025 |  | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 70% EXCEPTION TO USE LTV OF 75% FOR UNLEASED PROPERTY. AS PER GUIDELINES UNLEASED PROPERTY CAN HAVE A MAX LTV OF 70%. - Due Diligence Vendor-12/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.58 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.08 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | FICO xxx<br> - Reserves 49 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 2121322 |  | 2121322 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2114483 |  | 2114483 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2124360 |  | 2124360 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2124332 |  | 2124332 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 |  |  |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2121360 |  | 2121360 | xxx C A B |
| 2110971 |  | 2110971 | xxx A C |
| 2098693 |  | 2098693 | xxx D A |
| 2098696 |  | 2098696 | xxx A |
| 2101836 |  | 2101836 | xxx D A |
| 2114666 |  | 2114666 | xxx A |
| 2114682 |  | 2114682 | xxx A |
| 2123473 |  | 2123473 | xxx D A B |
| 2114677 |  | 2114677 | xxx A |
| 2110975 |  | 2110975 | xxx A |
| 2110976 |  | 2110976 | xxx A |
| 2123474 |  | 2123474 | xxx B A |
| 2121322 |  | 2121322 | xxx A |
| 2114483 |  | 2114483 | xxx A |
| 2124360 |  | 2124360 | xxx A |
| 2124332 |  | 2124332 | xxx A |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 5**

---

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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** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2121360 |  | 2121360 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2110971 |  | 2110971 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | 100.0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2098693 |  | 2098693 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 89.99 | 89.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2098696 |  | 2098696 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2101836 |  | 2101836 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 51.39 | 51.39 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2114666 |  | 2114666 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 2114682 |  | 2114682 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 2123473 |  | 2123473 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | 0.0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2114677 |  | 2114677 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2110975 |  | 2110975 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2110976 |  | 2110976 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2123474 |  | 2123474 | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Acceptable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2121322 |  | 2121322 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2114483 |  | 2114483 | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2124360 |  | 2124360 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | xxx | -.0476 | Desk Review |  |  |  |  | xxx | xxx | -.0476 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  | xxx | xxx | -.0476 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2124332 |  | 2124332 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 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** | **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?** |
| 2121360 | 2121360 |  | 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 | xxx |  |  |  | No | No | Yes | Present |
| 2110971 | 2110971 |  | 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 | No | xxx | 6.312 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2098693 | 2098693 |  | 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 | Yes | xxx | 6.302 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2098696 | 2098696 |  | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2101836 | 2101836 |  | 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 | xxx |  |  |  | No | No | Yes | Present |
| 2114666 | 2114666 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | 9.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2114682 | 2114682 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | 8.148 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2123473 | 2123473 |  | 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 | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 2114677 | 2114677 |  | 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 | xxx |  |  |  | No | No | Yes | Present |
| 2110975 | 2110975 |  | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2110976 | 2110976 |  | 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 | No | xxx | 7.445 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2123474 | 2123474 |  | 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 | xxx |  |  |  | No | No | Yes | Present |
| 2121322 | 2121322 |  | 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 | xxx |  |  |  | No | No | Yes | Present |
| 2114483 | 2114483 |  | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2124360 | 2124360 |  | 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 | xxx |  |  |  | No |  | Yes | Present |
| 2124332 | 2124332 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | 7.959 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.02 - Schedule 7**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 2110975 |  | 2110975 | Calculated DSCR | 1.339 | N |
| 2121360 |  | 2121360 | Prepayment Penalty Total Term | 36 | 0 |
| 2123473 |  | 2123473 | Prepayment Penalty Total Term | 36 | 0 |
| 2123474 |  | 2123474 | Prepayment Penalty Total Term | 36 | 0 |
| 2123474 |  | 2123474 | Property Type | Two to Four Unit | Single Family Detached |
| 2110971 |  | 2110971 | Property Value | xxx | xxx |
| 2098693 |  | 2098693 | Qualifying Total Debt Income Ratio | 39.03 | 31.517 |
| 2123473 |  | 2123473 | Qualifying Total Debt Income Ratio | 11.44 | 6.475 |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03**

![](ex9903001.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2026-NQM3**

**By Clarifii LLC on February 20, 2026**

EFMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 1

![](ex9903001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 2 Loans (the "Loans") originated by a correspondent lender and acquired by Ellington Management Group, LLC (the "Client") for the EFMT 2026-NQM3 transaction. The Loans referenced in this narrative report were reviewed between 12/2025 to 01/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$674250.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$105000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$779250.00** |

---

The Review consisted of a population of 2 Loans, with an aggregate principal balance of $779,250.00.

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

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

**LOAN SAMPLING**

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

EFMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 2

![](ex9903001.jpg)

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

---

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

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |

---

EFMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 3

![](ex9903001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Sex Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;ULI |

---

EFMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 4

![](ex9903001.jpg)

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

EFMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 5

![](ex9903001.jpg)

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

EFMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 6

![](ex9903001.jpg)

● **Property** **Insurance and Taxes** 

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

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

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

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

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

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

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

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

● **Debt Service Coverage Ratio (DSCR)** 

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **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** 

● **Flood Certification** 

● **Initial and Final Loan Estimate (LE)** 

● **Initial and Final and Closing Disclosure (CD)** 

● **Post-Consummation Closing Disclosure (PCCD), as applicable** 

EFMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 7

![](ex9903001.jpg)

**COMPLIANCE REVIEW**

Clarifii reviewed each Loan file, when applicable, and verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Compliance verification and validation that each mortgage Loan met the relevant provisions of:

**Anti-** **Predatory Lending Requirements**, that are imposed by federal, state and/or local statutory, regulatory, or authoritative determinations (e.g., state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including the Home Ownership and Equity Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

**Truth in Lending Act (TILA)**, as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026

**Real Estate Settlement Procedures Act (RESPA)**, 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024

**Equal Credit Opportunity Act (ECOA)**, 15 U.S.C. §1691, as implemented by Regulation B, 12 C.F.R. §1001.1(b)

● **Compliance Documentation Requirements** 

Clarifii reviewed the following documents as they related to regulatory compliance:

– Initial and final application (1003)

– Note, including all addendums

– Copy of note for any junior liens (if applicable)

– Mortgage / Deed of Trust, including all riders

– Initial, Interim, and Final Loan Estimates (LE)

Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **Anti-Predatory Lending (Assignee Liability)** 

Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any Loan that is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition was reported.

● **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

EFMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 8

![](ex9903001.jpg)

**TILA/RESPA Integrated Disclosure Testing (TRID)**

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019).

**Right of Rescission** 

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

**Qualified Mortgage and Ability to Repay**

Reviewed to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43.

**Real Estate Settlement Procedures Act (RESPA)/Regulation X**

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

**Equal Credit Opportunity Act (ECOA)/Regulation B**

Confirmed compliance with the January 18, 2014, requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals was met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

**Fair Credit Reporting Act (FRCA)/Regulation V**

Confirmed compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

**Miscellaneous Compliance Testing**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Mandatory Arbitration*** – Clarifii reported mandatory arbitration provisions present
 in the Loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Single Premium Credit Insurance*** – Clarifii reported single premium credit insurance
 policies or debt cancellation agreements present in the Loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***State prepayment and late charge restrictions*** – Clarifii reported instances where
 a prepayment penalty that exceeds the state permitted penalty has expired.

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● **State and Local Anti-Predatory Requirements** 

The following is an itemization of the current and historical state and local anti-predatory lending requirements, considered customary in secondary market due diligence compliance testing and reviewed by Clarifii:

– Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

– California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

– California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

– Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

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

– Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

– Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

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

– Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

– Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

– Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

– Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

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

– Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

– Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

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

Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

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

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

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

– Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

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

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– Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

– Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

– Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

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

– Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

– Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq.

– New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

– New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq.

– New York High-Cost Home Loan Regulations (1A – Original Part 41), 3 NYCCR Part 41 (2001).

– New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

– New York Subprime Home Loans, NY Bank. Law § 6-m.

North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1I(a); 24-10.2(a) as amended.

– Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63.

– Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

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

– Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.

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

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

– Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

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

Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

– South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

– 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.

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 application address is different from subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 executed by all borrowers

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

– Occupancy Letter (must state that borrower(s) will not reside in the property

– HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

– If property is in a flood zone, Flood Notice must be provided prior to closing

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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For each QM designated Loan that satisfied the applicable requirements enumerated above, Clarifii then determined whether the Loan was a Safe Harbor QM or Rebuttable Presumption QM by comparing the Loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

**ABILITY TO REPAY (ATR)**

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

*Note: for Loans designated as QM – Agency eligible (QM – Temporary), Clarifii did not review for compliance with the requirements of Appendix Q or General Ability to Repay.*

Clarifii reviewed Loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a Loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the Loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a Loan.

Clarifii's review was based on information contained in the Loan file at the time it was provided for review.

All Loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION REVIEW**

Clarifii reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, comparable sales, completeness of data and eligibility of the appraiser, compared to underwriting guidelines, variances, and tolerances. Clarifii determined that the appraised value appeared to be supported, based on the valuation provided by the Independent Third-party Review.

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

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● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

Clarifii applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

● If the AVM (Automated Valuation Model) supported the origination appraised value within -10% variance, no additional products were required.

● 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 the supported value, unless guidelines allowed for the use of the lower Desk Review or Broker Price Opinion value for purpose of LTV/CLTV/HCLTV.

**Uniform Collateral Data Portal (UCDP) Risk Score:**

● For Loans with a Fannie Mae Collateral Underwriter Score (CU), if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

● For Loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

**VALUATION RESULTS SUMMARY**

The table below summarizes the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

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**DUE DILIGENCE GRADING CRITERIA** 

Upon completion of the Loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, clients, and rating agency requirements.

The National Recognized Statistical Rating Organizations (NRSRO) criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Asset-Backed Securities Form ABS Due Diligence-15E.

**Final Event Grade**

---

| | |
|:---|:---|
| **A** | Loan meets Credit, Compliance, and Valuation Guidelines. |
| **B** | The Loan materially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and materially meets published guidelines. |
| **C** | The Loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| **D** | Loan is missing documentation to perform a sufficient review. |

---

**Credit Event Grade**

---

| | |
|:---|:---|
| **A** | The Loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |
| **B** | The Loan materially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |
| **C** | The Loan does not materially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets, or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the Loan were not documented or are unreasonable. |
| **D** | There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

**Valuation Event Grade**

---

| | |
|:---|:---|
| **A** | The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms. |
| **B** | The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |

---

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**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms.

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

**Compliance Event Grade** 

---

| | |
|:---|:---|
| **A** | The Loan is compliant with all applicable laws and regulations. The legal documents accurately reflect the agreed upon Loan terms and are executed by all applicable parties. |
| **B** | The Loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon Loan terms and are executed by all applicable parties. Client review required. |
| **C** | The Loan violates one material law or regulation. The material disclosures are missing, or the legal documents do not accurately reflect the agreed upon Loan terms or all required applicants did not execute the documents. |
| **D** | There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

**CLARIFII DUE DILIGENCE RESULTS**

Below are the final overall Loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

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**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$779250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$779250.00** |

---

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**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$779250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$779250.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$779250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$779250.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$779250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$779250.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$779250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$779250.00** |

---

**DATA COMPARE RESULTS**

Clarifii provided Clients with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the Loan review.

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

EFMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 19

![](ex9903001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative
Report/Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation
Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF
Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating
Agency Grade Detail and Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data
Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations
Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating
Agency ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplement
Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business
Purpose Supplement Data Extract Report

**Disclaimer**

*Clarifii LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).*

*Please be advised that Clarifii has not determined whether the Loans comply with federal, state, or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clarifii's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clarifii's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from Loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.*

EFMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 20

![](ex9903001.jpg)

*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.*© 2026 Clarifii LLC. All rights reserved.

EFMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 21

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 2123277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 2123276 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 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 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **Loan ID** | **Seller Loan ID** | **Redaction 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** | **Default Interest Rate** | **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** | **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 # 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** | **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** |
| XXXX | XXXX | 2123277 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $5133.00 | $427.75 | $0.00 | $0.00 | $0.00 | $5612.26 | $135448.16 | N/A |  |  | $0.00 |  |  | 0.00% | 9.15% | 9.15% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 168 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/23/2025 | 12/23/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0 | XXXX | 56.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 2123276 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/01/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1314.00 | $109.50 | $0.00 | $0.00 | $0.00 | $932.15 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.389 | 1.39 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/01/2025 | 12/01/2025 | 12/01/2025 |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0 | XXXX | 104.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 2123277 | XXXX C A |
| XXXX | XXXX | 2123276 | XXXX C A B |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction 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** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 2123277 C A | Closed | FPRO1137 | 2026-01-15 11:21 | 2026-01-20 14:36 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received revised appraisal with previous and renewal license for appraiser. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Appraisal was completed on XXXX and appraiser was not licensed at that time to complete appraisal. Need updated appraisal with a valid licensed appraiser. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026<br>| Resolved-Received revised appraisal with previous and renewal license for appraiser. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728 Required is 680 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 Required is 50 Borrower has 9.15 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7112511 |
| XXXX | XXXX | 2123277 C A | Closed | FCRE2244 | 2026-01-15 11:21 | 2026-01-20 14:36 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received corrected appraisal with adu on grid and comparables provided. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. - Seller-01/16/2026 <br>Open-Property Issues are identified for the property Property has an ADU unit which was not split out in comparable grid. Appraiser must address if comps used have a similar ADU unit like subject. At least one comp must have an ADU similar to subject to be a valid appraisal. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026<br>| Resolved-Received corrected appraisal with adu on grid and comparables provided. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728 Required is 680 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 Required is 50 Borrower has 9.15 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7112512 |
| XXXX | XXXX | 2123277 C A | Closed | FCRE1156 | 2026-01-15 11:24 | 2026-01-20 14:13 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Received HOI reflecting correct vested entity as insured. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. Insured to XXXX Note is also to XXXX executed by XXXX as an authorized member. - Seller-01/15/2026 <br> Open-Named Insured does not match Borrower(s) Name(s) Insured name to be borrowers individual name and business name as shown on Note. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Insured to XXXX Note is also to XXXX executed by XXXX as an authorized member. - Seller-01/15/2026 | Resolved-Received HOI reflecting correct vested entity as insured. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728 Required is 680 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 Required is 50 Borrower has 9.15 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7113251 |
| XXXX | XXXX | 2123277 C A | Closed | FCRE1510 | 2026-01-15 10:58 | 2026-01-20 14:10 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description attached to mortgage - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728 Required is 680 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 Required is 50 Borrower has 9.15 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7111210 |
| XXXX | XXXX | 2123276 C B A | Closed | FCRE8701 | 2026-01-16 07:02 | 2026-01-21 15:22 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received business entity documentation. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. LLC docs - Seller-01/19/2026 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing Business entity formation documentation required per guidelines. The loan file contains only the LLC Borrowing Certificate. Additional conditions may apply, pending review. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. LLC docs - Seller-01/19/2026<br>| Resolved-Received business entity documentation. - Due Diligence Vendor-01/21/2026<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 106.11 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 783<br>DSCR % greater than 1.20 - 1.39 DSCR, minimum DSCR of 1 required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7132099 |
| XXXX | XXXX | 2123276 C B A | Closed | FCRE1200 | 2026-01-16 08:26 | 2026-01-21 15:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator provided a waiver for loan amount<$300,000 -– wavier applied with reviewed compfactors - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. loan amount exception - Seller-01/19/2026 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $300000 Per DSCR matrix, minimum loan amount is $300,000. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. loan amount exception - Seller-01/19/2026<br>| Waived-Originator provided a waiver for loan amount<$300,000 -– wavier applied with reviewed compfactors - Due Diligence Vendor-01/21/2026<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 106.11 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 783<br>DSCR % greater than 1.20 - 1.39 DSCR, minimum DSCR of 1 required. | FICO: 783 > 700 minimum required<br> Reserves: 106 months > 3 months required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7134021 |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 5**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 2123277 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per application |
| XXXX | XXXX | 2123276 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 and Initial Loan Application. |
| XXXX | XXXX | 2123276 | XXXX | Sales Price | closingDetailsNonCompliancePage | XXXX | XXXX | per 1008 refinance. |
| XXXX | XXXX | 2123276 | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | No other liens. |
| XXXX | XXXX | 2123276 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 5 | 1 | Per Credit Report |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction 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** |
| XXXX | XXXX | 2123277 | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 160.35 |  | 0 | 5612.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 8.8 | 1 | 1 | N/A | 56.89 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX | 2123276 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1295 | 1400 | Appraisal - 1007 |  | N/A |  |  | 1295 | Actual In Place Rent | No | 71.98 | 1.39 | 1.389 | 932.15 | 1295 | XXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1295 |  |  |  |  |  |  |  | No | 5.2 | 1 | 1 | N/A | 104.18 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.03 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | XXXX | 2123277 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 135448.16 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 2123276 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04**

![](ex9904001.jpg)

**February 23, 2026**<br> **Due Diligence Narrative Report** <br>

![](ex9904002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

EFMT 2026-NQM3 Due Diligence Narrative Report Page \| 1 February 23, 2026

![](ex9904002.jpg)

**Clayton Contact Information** 

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](ex9904003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex9904003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of the originators, Clayton conducted an independent third-party pre-securitization due diligence review of 5 residential loans. Ellington Management Group, LLC subsequently purchased these loans via reliance letter and selected these loans for the EFMT 2026-NQM3 transaction.

The loan referenced in this narrative report was reviewed on a flow loan basis between September 2024 and October 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |

---

EFMT 2026-NQM3 Due Diligence Narrative Report Page \| 2 February 23, 2026

![](ex9904002.jpg)

**Clayton's Third Party Review ("TPR") Scope of Work** 

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

---

| | |
|:---|:---|
| Review scope | # of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;5 |

---

Loan Grading

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Morningstar, Kroll and DBRS.

![](ex9904004.jpg)

EFMT 2026-NQM3 Due Diligence Narrative Report Page \| 3 February 23, 2026

![](ex9904002.jpg)

TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in the loan documentation provided to Clayton.

Credit Review

Clayton's Credit scope of review conducted on 5 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared
 the loan documentation found in the loan file to the origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated
 LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
 the stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed
 asset statements in order to determine that funds to close and reserves were within origination
 guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed
 that credit scores (FICO) and credit histories were within origination guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 income, employment, assets, and occupancy status for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed
 the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Listed
 the property type as Coop, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed
 for condo warranty documentation, as applicable;

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (5 loans)

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

– For more detail on the original appraisal review, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (5 loans)

Clayton applied a cascade methodology to determine if the original appraised value was supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;

● CU Score

● Desk Review

For further detail please refer to the EFMT 2026-NQM3 Valuations Summary Report

EFMT 2026-NQM3 Due Diligence Narrative Report Page \| 4 February 23, 2026

![](ex9904002.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 4 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested
 for certain applicable federal, state and local high cost and/or anti-predatory laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested
 for state-specific consumer protection laws including late charge and prepayment penalty
 provisions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Truth-in-lending/regulation
 Z (TILA) testing included the following:

– Notice of Right to Cancel (Right of Rescission) adherence if applicable;

– TIL Disclosure Timing (3/7/3) and disclosure content;

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

– Section 32 APR and Points and Fees Thresholds and prohibited practices;

– Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

– Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

– Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following,
 for loans other than 'Covered Loans' and loans with an Application Date prior
 to 10/3/2015:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

GFE to HUD1 evaluation for 0% and 10% fee tolerances;

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working

EFMT 2026-NQM3 Due Diligence Narrative Report Page \| 5 February 23, 2026

![](ex9904002.jpg)

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 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by Ellington Management Group, LLC.

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u> 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for IL high cost.

Anti-predatory lending laws

● 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

EFMT 2026-NQM3 Due Diligence Narrative Report Page \| 6 February 23, 2026

![](ex9904002.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 5 loans reviewed, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape
 data received from seller/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 received data point is compared to its counterpart collected data point;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 discrepancy is reported in a Loan Level Tape Compare Upload.

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4.3 data disclosure requirements. Both of these file formats are 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 Ellington Management Group, LLC, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 5 loans reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| Disbursement Date | 2 | 60.00% |
| Total Cash Out | 2 | 60.00% |

---

EFMT 2026-NQM3 Due Diligence Narrative Report Page \| 7 February 23, 2026

![](ex9904002.jpg)

**Clayton Due Diligence Results** 

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 1 |  | 1 | 1 | **3** |
| **Final** | **B** |  | 1 | 1 |  | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **1** | **1** | **2** | **1** | **5** |

---

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

**<u>Initial and Final Credit Component Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 2 |  | 1 | 1 | **4** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **2** | **1** | **1** | **1** | **5** |

---

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 5 |  |  |  | **5** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **5** | **0** | **0** | **0** | **5** |

---

EFMT 2026-NQM3 Due Diligence Narrative Report Page \| 8 February 23, 2026

![](ex9904002.jpg)

**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 2 |  | 1 |  | **3** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **2** | **0** | **2** | **0** | **4** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (1 loan in pool)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF
 Upload Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non
 ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation
 Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan
 Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived
 Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation
 Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E
 Form

EFMT 2026-NQM3 Due Diligence Narrative Report Page \| 9 February 23, 2026

![](ex9904002.jpg)

**Appendix A: Credit Review Scope** 

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

A. Verified
 that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition
 Criteria requirements including:

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

○ Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

○ Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included required, documented compensating factors

B. As
 part of the guideline review, Clayton performed a credit analysis during which various
 documents were examined, including:

○ 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

○ Employment analyzed and verified through use of various documents, including:

– Income documentation

– Verbal and/or written verifications of employments (VVOE, VOE)

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ 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;▪ 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;▪ 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;▪ 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;▪ 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;▪ 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;▪ 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;▪ 1099

EFMT 2026-NQM3 Due Diligence Narrative Report Page \| 10 February 23, 2026

![](ex9904002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 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;▪ 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;▪ 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;▪ 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;▪ Other
 documentation in loan file

○ 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;▪ 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;▪ 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;▪ 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;▪ 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;▪ 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;▪ 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;▪ Other
 documentation in loan file

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

○ 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

○ 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;▪ 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;▪ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

– Applicable title endorsements were present

– Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction

– Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

– Captured monthly tax payments in debt ratio calculation

○ 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

○ 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;▪ 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;▪ Correct
 property

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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;▪ 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;▪ 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;▪ 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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For
 each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation.
 In lieu of a copy of the mortgage or deed of trust with recording information, a copy
 of the mortgage or deed of trust that is stamped "true and certified copy"
 by the escrow/settlement agent plus recording directions on closing instruction documentation
 was utilized as evidence for recording.

D. For
 each mortgage loan, Clayton utilized the results from an independent, third-party fraud
 tool along with information in the loan file to identify and address any potential misrepresentations
 including:

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

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**Appendix B: Origination Appraisal Assessment** 

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

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

○ 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

○ Appraisal report was reasonably complete and included:

– Appraisal report form, certification, statement of limiting conditions and scope of work

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

– Accurate identification of the property type, in both land and improvements

– All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 interior photos – kitchen, all baths, main living area, updates/upgrades, deferred
 maintenance

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior
 sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC
 Market Conditions Report

– Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

– Appraisal date met supplied Sponsor Acquisition Criteria

– If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed
 a general credibility assessment of the results of the appraisal per Title XI of FIRREA
 and USPAP based on the following criteria:

○ Title XI of FIRREA:

– Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

– Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

○ USPAP

– Confirmed that the appraiser's certification is present and executed within the original appraisal.

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

○ 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.

○ 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

○ Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

– Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

– Property usage was reviewed for zoning compliance

– Property utilization was reviewed to determine it was "highest and best use"

– Neighborhood values were reviewed to determine if declining

– Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

– Physical condition of the property was reviewed to determine that the property condition was average or better

– Style of property was reviewed to determine if unique property

– Any health and safety issues were noted and/or remediated

– Locational and/or environmental concerns adequately addressed if present

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:

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties
 Affected by Disasters Criteria – Clayton reviewed the appraisal date against any
 FEMA Declared Disaster Areas that were designated for Individual and/or Public Assistance
 due to a federal government disaster declaration.

○ 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.

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F. Disclaimer

○ 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.

○ Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness

○ Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

○ 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.

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

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**Appendix C: Regulatory Compliance Review Scope** 

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

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

○ 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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

○ 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

○ 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

○ 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.

○ 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

○ Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application

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

○ 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.

○ 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)

○ 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

○ Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)

○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

○ Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

○ 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)

○ 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)

○ TILA/RESPA Integrated Disclosures ("TRID")

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test
 whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate
 ("LE") and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application
 Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

● 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.

● That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● 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;▪ Payment
 Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

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

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

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

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

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

● 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.

● 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.

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● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

● 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.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

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

● 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.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

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

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

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

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

● 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.

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

● Accuracy of the Aggregate Adjustment amount.

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

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

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

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

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

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp;Vermont <br> (High Rate, High Point law)  |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp;Ohio, including <br> Cleveland Heights ordinance  |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

● 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).

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**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to

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confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 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

EFMT 2026-NQM3 Due Diligence Narrative Report Page \| 21 February 23, 2026

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **EFMT 2026-NQM3** |
| **Start - End Dates:** | **9/27/2024 - 10/7/2025** |
| **Deal Loan Count:** | **5** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *5* |
| ***Loans with Conditions:*** | *4* |

---

---

| |
|:---|
| **1 - Total Active Conditions** |
| **1 - Non-Material Conditions** |
| 1 - Credit Review Scope |
| 1 - Category: Credit/Mtg History |
| **6 - Total Satisfied Conditions** |
| 3 - Credit Review Scope |
| 1 - Category: DTI |
| 1 - Category: Insurance |
| 1 - Category: Legal Documents |
| 3 - Compliance Review Scope |
| 3 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** |

---

&nbsp;&nbsp;&nbsp;&nbsp;©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 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 1903386 | XXXXXX MI | 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> - Clayton Comments: Post close reserves are $5,534.55, or 4.63 months. Reserves not required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE borrower has been on job since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.43% is below guideline maximum of 55%. |
| 2065569 | XXXXXX AL | 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 | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fee of $195 due to Appraisal Reinspection Fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 7.17.25-Client provided COC, Satisfied. | 7.17.25-Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43 Months Reserves<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14 Years with current Employer<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years 6 months at current Residence |
| 2065583 | XXXXXX IL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months rental for borrower primary residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $62,554.09, or 34.30 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.31% is below guideline maximum of 70% for a DSCR cash out refinance with a 630 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has been 0X30 with mtg history from XXX. |
| 2065621 | XXXXXX FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Current & Previous Dec Page is in file | 7.14.2 5Please find updated dec page.7.14.25 exception satisfied | 7.14.25 exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 58 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 88+ Months reporting |
| 2065621 | XXXXXX FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 7.14.25 FINAL ss For review7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 58 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 88+ Months reporting |
| 2094850 | XXXXXX CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing initial closing disclosure. | (No Data) | Initial CD provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has a 784 credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 45 months reserves. |
| 2094850 | XXXXXX CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial closing disclosure. | (No Data) | Initial CD provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has a 784 credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 45 months reserves. |
| 2094850 | XXXXXX CA | 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 | CRDDTI105 | Debt Ratio Exception 5% or Less | No | The Non-QM First lien guidelines indicate if borrower is residing rent fee the maximum DTI ratio allowed is 43%. The final 1003 shows the borrower has been living rent free for 9 years and rent free letter was in the file. Audit calculated a 45.46% DTI ratio. The 1008 shows a DTI ratio of 40.661%. The difference in the difference in the base monthly income calculation. Audit used an average of the base YTD and previous two years for $3,630.92 per month as the pay stubs provided show varying hours. The 1008 shows base income of $4,273.14 per month. It could not be confirmed how this was calculated as the lender's income worksheet shows a base average of $4,059.63 per month. | The XXX program allows for a 50% DTI. We have rent free letter, residual and 10% own funds. | Cleared. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has a 784 credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 45 months reserves. |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 3**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 1903386 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 2065569 | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 2065583 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 2065621 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 2094850 | XXXXXX | XXXXXX C A | C | A C | C | A | No |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 245 | 249 | 253 | 257 | 258 | 259 | 260 | 261 |
| **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** | **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** | **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** |
| 1903386 | 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 | 8.5000 | XXXX | 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 | 74.36 | 74.36 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 96.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 77 | 4500.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 649 | 686 | 677 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 677 | XXXXXX | XXXXXX | 32.68 | 44.43 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.63 | 4.63 | Fully Amortized | 8.500 | 891.94 | 32.68 | 44.43 | 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 | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) |
| 2065569 | 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 | 9.3750 | XXXX | 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 | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 301.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 7 | 500.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 631 | 616 | 610 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 616 | XXXXXX | XXXXXX | 28.4 | 43.79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 43.27 | 43.27 | Fully Amortized | 9.375 | 2270.68 | 28.4 | 43.79 | 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 B A | B C A | C B A | B | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |
| 2065583 | XXXXXX | XXXXXX | XXXXXX | t | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.8750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No 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 |  | XXXXXX | 67.31 | 67.31 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 230.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 78 | 2000.00 | 6 | Not Applicable | Not Applicable | Not Applicable | 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 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 636 | 586 | 630 | XXXXXX | (No Data) | (No Data) | 630 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 31.93 | 31.93 | Fully Amortized | 8.875 | 1392.38 | 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 B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065621 | 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 | 8.8750 | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No 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 |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 168.60 | (No Data) | (No Data) | 39.43 | 83.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 88 | 25000.00 | 14 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 622 | 618 | 622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 622 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 58.96 | 58.96 | Fully Amortized | 8.875 | 1401.53 | 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) |
| 2094850 | 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 | 6.7500 | XXXX | 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 | Not Applicable | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 54.68 | (No Data) | (No Data) | (No Data) | 608.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 6000.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 784 | 778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 784 | XXXXXX | XXXXXX | 45.46 | 45.46 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 45.7 | 45.70 | Fully Amortized | 6.750 | 1070.19 | 45.46 | 45.46 | 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 | C A | A C | C A | A | Paystub - 30 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 5**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 1903386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | 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 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2065569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | 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 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 2065583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $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% | 2.6 |
| 2065621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | 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 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2094850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | $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% | 1.1 |

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*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 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 6**

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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** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 1903386 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4159 | XXXXXX | 8.9841 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 2034.28 |
| 2065569 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10225.25 | XXXXXX | 9.8914 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065583 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065621 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2094850 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5165 | XXXXXX | 7.2078 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

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&nbsp;&nbsp;&nbsp;&nbsp;©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 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 7**

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| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 1903386 | 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 | 8.9841 | No | No | 3.759 | 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 | 44.43 | 44.43 | 44.43 | 44.43 | 44.43 | 44.43 | No | Yes | Yes | 2034.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 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 | FMNA 1005 | 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 | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065569 | 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 | 9.8914 | No | No | 3.915 | 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 | 43.79 | 43.79 | 43.79 | 43.79 | 43.79 | 43.79 | No | No | (No Data) | 5193.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 12 | 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 | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065583 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1958.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.1741 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065621 | 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 amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1782.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1860.00 | No | (No Data) | 1.0436 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2094850 | 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) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.2078 | No | Yes | 3.283 | 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 | 40.66 | 45.46 | 40.66 | 45.46 | 45.46 | 45.46 | No | No | (No Data) | 2423.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 30 | 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 | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 30 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |

---

&nbsp;&nbsp;&nbsp;&nbsp;©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 99.04

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.04 - Schedule 8**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** |
| 1903386 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 1903386 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2065621 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2065621 | XXXXXX | Total Cash Out | XXXXXX | 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 99.05

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.05**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC. The review included a total of 132 residential mortgage loans in connection with the securitization identified as EFMT 2026-NQM3 (the "Securitization"). The Review was conducted from July 2025 through December 2025 on mortgage loans originated between May 2022 and December 2025.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM
 or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage
 Related Obligations: PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 through third party resource of the subject properties most recent twelve (12) month
 sales history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 sufficient evidence in loan file, by reviewing the underwriter's decision to approve
 the loan based upon the borrows income, debt, and credit history, to support borrower's
 willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide
 Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm
 Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 condominium questionnaire to verify all information is complete, prepared by an authorized
 representative, and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;j. General
 QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing
 Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to the
 applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to the
 applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than the applicable dollar
 amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than the applicable
 dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home with a loan amount
 equal to or greater than the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider
 Income and Assets:

○ Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing
 Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as
 required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the
 application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active
 and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Client or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate,
 and consistent with other documents; Confirm collateral documents have been recorded
 or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition
 or better, or property requires cosmetic improvements (as defined by the appraiser) that
 do not affect habitability. Should an area of concern be identified with the condition
 of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the
 event the CU score was greater than 2.5 or the LCA score was not eligible for R&W
 relief, an additional valuation product was obtained to confirm value was supported within
 10% tolerance. In some instances, based on guidance from the seller, CDA's were
 ordered on loans that had an acceptable CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (132 loans in total):

Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product along with a Reconciliation of the values was completed. There were three (3) occurrences of this.

Sixteen (16) loans had an AVM, seventeen (17) loans had a Desktop Review, and eight (8) loans had a BPO.

**Product totals may not sum due to multiple products for each loan.**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred thirty-two (132) mortgage loans reviewed, one hundred eleven (111) unique mortgage loans (84.09% by loan count) had a total of four hundred ninety-three (493) discrepancies across twenty-four (24) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;106 | &nbsp;&nbsp;21.50% |
| &nbsp;&nbsp;Total Qualified Assets for Reserves Post-Close | &nbsp;&nbsp;97 | &nbsp;&nbsp;19.68% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;65 | &nbsp;&nbsp;13.18% |
| &nbsp;&nbsp;ARM Initial Interest Rate Minimum | &nbsp;&nbsp;52 | &nbsp;&nbsp;10.55% |
| &nbsp;&nbsp;ARM Initial Interest Rate Maximum | &nbsp;&nbsp;52 | &nbsp;&nbsp;10.55% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;33 | &nbsp;&nbsp;6.69% |
| &nbsp;&nbsp;GSE Eligible Flag | &nbsp;&nbsp;32 | &nbsp;&nbsp;6.49% |
| &nbsp;&nbsp;Lock Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;3.65% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.83% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.62% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**493** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 112 | $50642511.00 | 84.85% |
| Event Grade B | 20 | $9049669.00 | 15.15% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 132 | $59692180.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 116 | 87.88% |
| Event Grade B | 16 | 12.12% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 132 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 60 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 60 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 60 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 70 | 97.22% |
| Event Grade B | 2 | 2.78% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 72 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 128 | 96.97% |
| Event Grade B | 4 | 3.03% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 132 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;93 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Prepayment Rider | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Policy Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Tax Cert | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 1 Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Deed of Trust | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 9 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing explanation and supporting documentation for large deposit(s) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***126*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan does not conform to program guidelines | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 2 residency documentation not provided or issue with documentation | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Rental Experience Not Within Guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Latest/Final Application Document | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***17*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***41*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;108 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;18 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***131*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Property has been listed for sale in the past 6 months | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***4*** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.05 - Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2106758 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Number of financed properties updated to reflect four total (PR + XXX investment) |
| 2106758 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed XXX% back end DTI for Audit review using Additional Negative Net Rental of XXX along with Other monthly debts of XXX Subj Neg rental and Prim Resi matching Lender approval. Lender using XXX for additional negative rental. |
| 2106758 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Asset balances updated per most recent Statements provided |
| 2106758 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Asset balances updated per most recent Statements provided |
| 2106664 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Borrower has XXX total mortgaged properties |
| 2106664 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | per Statements in file |
| 2106664 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106759 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Per Final 1003, number of mtg prop are XXX including sub prop |
| 2106759 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI confirmed with docs in file. |
| 2106759 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Verifed with XXX accts and net proceeds from XXX exchange assets are XXX |
| 2106759 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Verified assets XXX |
| 2106760 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX is XXX% |
| 2106760 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | XXX is XXX% |
| 2106760 | XXX |  | GSE Eligible Flag | XXX | XXX | XXX used AUS |
| 2106760 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI confirmed per DU in file |
| 2106760 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | XXX is XXX |
| 2106760 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | XXX is XXX |
| 2106667 | XXX |  | Number of Mortgaged Properties | XXX | XXX | The borrower's primary residence is mortgaged along with the subject property. |
| 2106667 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | per Statements in file |
| 2106667 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106668 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Auditor confirmed assets in the amount of XXX |
| 2106668 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2098438 | XXX |  | Lock Date | XXXX | XXXX | Rate XXX: XXXX |
| 2098438 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Borrowers owned the subject and a second home. |
| 2098438 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Used XXX% of balance as the lender did |
| 2098438 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106761 | XXX |  | Refinance Type | XXX | XXX | Per final CD and XXX in file rate and term |
| 2106761 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Verified XXX $ XXX |
| 2106671 | XXX |  | Lock Date | XXXX | XXXX | Lock confirmation in file States XXX/XXX/XXX. |
| 2106671 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Borrower's have a total of XXX financed properties including subject property. |
| 2106671 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106671 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | True data is assets available prior to closing. Tape data is assets after closing costs removed. |
| 2106671 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106762 | XXX |  | Application Date | XXXX | XXXX | XXX is XXXX |
| 2106762 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX |
| 2106762 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | XXX is XXX% |
| 2106762 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106762 | XXX |  | Lock Date | XXXX | XXXX | The XXX is XXXX |
| 2106762 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | XXX is XXX |
| 2106762 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Total Qualified Assets for Reserves Post Close XXX |
| 2106763 | XXX |  | Application Date | XXXX | XXXX | Tape data is correct at XXX of XXX/XXX/XXX. |
| 2106763 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Note, initial rate maximum is XXX%. |
| 2106763 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per Note, initial rate minimum is XXX%. Tape data reflects margin with incorrect decimal point placement. |
| 2106763 | XXX |  | GSE Eligible Flag | XXX | XXX | Per LP Eligible/Accept, loan is gse eligible. |
| 2106763 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Per Final 1003, XXX total properties reflected. Tape date does not include XXX occupied property. |
| 2106763 | XXX |  | Property City | XXX | XXX | Per Note, subject city is XXX. |
| 2106763 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Per asset documentation, total assets are $XXX. Tape data has double included REO sale proceeds. |
| 2106672 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Verified total assets using bank Statement, lender is post closing |
| 2106672 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2098445 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | the max initial interest rate maximum is XXX |
| 2098445 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | XXX is the limited interest rate change |
| 2098445 | XXX |  | Lock Date | XXXX | XXXX | XXX is XXXX page XXX |
| 2098445 | XXX |  | Number of Mortgaged Properties | XXX | XXX | borrower only has XXX mortgaged property |
| 2098445 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | per Statements in file |
| 2098445 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106764 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | I confirmed the initial interest max is XXXX |
| 2106764 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | The initial rate min is XXX% |
| 2106764 | XXX |  | GSE Eligible Flag | XXX | XXX | This is a DU Fannie Mae Loan. The GSE flag should be marked yes. |
| 2106764 | XXX |  | Number of Mortgaged Properties | XXX | XXX | The total number of mortgages including the subject. |
| 2106764 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | The verified assets total is XXX |
| 2106764 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | The total assets XXX confirmed. |
| 2098447 | XXX |  | Number of Mortgaged Properties | XXX | XXX | number of the mortgages is the subject. |
| 2098447 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Variance is the XXX EMD Subtracted from the qualifying assets. |
| 2106674 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI based on documentation/income/REO calculations |
| 2106674 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Updated assets per bank Statements |
| 2106674 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Assets per documentation provided |
| 2106765 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX- Per Note XXX% |
| 2106765 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | XXX- Per Note XXX |
| 2106765 | XXX |  | Number of Mortgaged Properties | XXX | XXX | XXX- XXX XXXX, XXX XXXX, XXX XXXX |
| 2106765 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | XXX- Total Assets XXX |
| 2106675 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Update the Note according to the Final 1003 in the file |
| 2106675 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Updated the assets in the file according to the bank Statements in the file |
| 2106675 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106681 | XXX |  | Number of Mortgaged Properties | XXX | XXX | CBR |
| 2106681 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | True data verified receipt on file |
| 2106681 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106773 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX% confirmed |
| 2106773 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | XXX% confirmed |
| 2106773 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106773 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | hoi payment variance |
| 2106773 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | XXX RESERVES |
| 2106773 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106776 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Note interest rate cap at first change date will not be greater than XXX% |
| 2106776 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Interest rate will not be lower than XXX% at first change date |
| 2106776 | XXX |  | GSE Eligible Flag | XXX | XXX | Loan file a DU AUS |
| 2106776 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Total of mortgaged prop's is XXX including subject |
| 2106776 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed per docs in file. |
| 2106776 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Total verified assets are XXX |
| 2106776 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106777 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | initial max rate change max XXXX |
| 2106777 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | minumum rate at change XXXX |
| 2106777 | XXX |  | GSE Eligible Flag | XXX | XXX | GSE Eligible is correct |
| 2106777 | XXX |  | Refinance Type | XXX | XXX | Per final CD and XXX in file rate and term |
| 2106777 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | XXX is amount after funds to close taken into consideration |
| 2098469 | XXX |  | ARM Initial Interest Rate Cap | XXX | XXX | Initial rate cap per the Note in file is XXX |
| 2098469 | XXX |  | Number of Mortgaged Properties | XXX | XXX | XXX total mortgaged properties reflected per the Final 1003 and credit docs. |
| 2098469 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2098469 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Assets in file reflect as XXX per the bank Statements in file. |
| 2098469 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106687 | XXX |  | ARM Initial Interest Rate Cap | XXX | XXX | Update the ARM SUB INTEREST RATE CAP according to the Note |
| 2106687 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Borrower owns several properties; only XXX with mortgages |
| 2106687 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Updated the assets in the file according to the bank Statements in file |
| 2106687 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106783 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | The audit calculated total DTI ratio is XXX. The Real EState Report (pg XXX) for XXX XXXX (borrower's primary residence) indicates property is a PUD and Fraud Guard (pg XXX) indicates max HOA XXX paid semi-annually and using worst case scenario computes to to XXX monthly (300x2/XXX). The loan was not qualified at origination with HOA dues for the property. Auditor proceeded with including XXX monthly HOA which resulted in revised PITIA of $XXX. Using the revised PITIA in the total debts increased the DTI ratio to XXX%. |
| 2106783 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | The loan was qualified at origination with assets available for reserves totaling XXX which is XXX% of the balance reflected in XXXX as of XXXX ($79925x80%). Auditor proceeded as such. |
| 2106783 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | The loan was qualified at origination with assets available for reserves totaling XXX which is XXX% of the balance reflected in XXXX as of XXXX ($XXXX). Auditor proceeded as such. |
| 2106688 | XXX |  | Application Date | XXXX | XXXX | Fraud guard supports XXX of XXX/XXX/XXX. |
| 2106688 | XXX |  | Number of Mortgaged Properties | XXX | XXX | # of mortgages properties Per 1003/credit |
| 2106688 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | True Data reflects the qualified assets according to the bank Statement(s) balance(s) provided at the time of audit review. |
| 2106688 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | True Data reflects the qualified assets according to the bank Statement(s) balance(s) provided at the time of audit review. |
| 2108394 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | per note |
| 2108394 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | per note |
| 2108394 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2108394 | XXX |  | Number of Mortgaged Properties | XXX | XXX | # of mortgages properties Per 1003/credit |
| 2108394 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Based on the REO calculation for Downey Ave (using XXX Sch E.) - the rental income is calculated at XXX which is lower than the lender calculation of XXX - resulting in the lower DTI. Within variance. |
| 2108394 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | True Data reflects the dollar figure for reserves according to the bank Statement(s) balance(s) provided and the net proceeds at the time of consummation. |
| 2106692 | XXX |  | Number of Mortgaged Properties | XXX | XXX | # of mortgages properties Per 1003/credit |
| 2106692 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | per Statements in file |
| 2106692 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106786 | XXX |  | Number of Mortgaged Properties | XXX | XXX | XXX confirmed with credit report in file dated XXXX |
| 2106786 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Qualifying assets are based on final balance of XXX and XXXX |
| 2106786 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Qualifying assets are based on final balance of XXX and XXXX |
| 2106693 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Interest rate ceiling cap |
| 2106693 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Interest rate floor for the first change date, per the Note |
| 2106693 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Total assets per the Statement in file and after the audit |
| 2106693 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106787 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Fixed/Adjustable Rate Rider - XXX - XXX |
| 2106787 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per Fixed/Adjustable Rate Rider - XXX - XXX |
| 2106787 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Per Final 1003 and Credit Report XXX mortgages + New Mortgage = XXX |
| 2106787 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | within tolerance |
| 2106787 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Total Qualified Post Close Assets per documentation Interactive Brokers XXX% - XXX + XXX - XXX = XXX |
| 2106787 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Total Qualified Assets per documentation Interactive Brokers XXX% - XXX + XXX - XXX = XXX |
| 2106694 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | per asset documentation in file |
| 2106694 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106695 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per ARM Note - Initial Interest Rate Maximum - XXX |
| 2106695 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per Note - Initial Interest Rate Minimum - XXX |
| 2106695 | XXX |  | Lock Date | XXXX | XXXX | Per Rate Lock Agreement - XXX XXXX |
| 2106695 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Per Credit Supplement - XXX mortgage + subject = XXX |
| 2106695 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Per Assets provide - XXXX/$XXX + XXXX/$XXX + XXXX/$XXX + XXXX/$XXX + XXXX/$XXX + XXXX/$XXX = XXX |
| 2106695 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106696 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Total available assets before reserves and cash down removed. |
| 2106696 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Confirmed assets per documentation provided |
| 2106697 | XXX |  | Application Date | XXXX | XXXX | XXX per the Initial 1003 |
| 2106697 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Updated mortgaged properties per credit report |
| 2106697 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Updated assets per asset Statements |
| 2106697 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106790 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Updated the XXX according to the Note in the file |
| 2106790 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Updated the XXX according to the Note in the file |
| 2106790 | XXX |  | Lock Date | XXXX | XXXX | Updated the Loch date according to the Lock Agreement |
| 2106790 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Updated the Number of properties mortgaged according to the 1003 in file and mortgage Statements in file |
| 2106790 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106790 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Updated the Qualified total reserves assets according to the bank Statements and DU in file |
| 2106790 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Updated the Qualified total reserves assets Post Close according to the bank Statements and DU in file |
| 2106791 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106791 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities |
| 2106791 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | XXX is XXX |
| 2106791 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | XXX is XXX |
| 2106792 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXXX is max on first change date |
| 2106792 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Confirmed with Note |
| 2106792 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106792 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Financed properties XXX includes subject |
| 2106792 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Confirmed with assets provided |
| 2106792 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Confirmed with assets provided |
| 2106699 | XXX |  | Lock Date | XXXX | XXXX | Lock Confirmation date is XXXX pg. XXX |
| 2106699 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Borrower has only XXX property |
| 2106699 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106699 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | total assets XXX pg. XXX |
| 2106699 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106700 | XXX |  | Application Date | XXXX | XXXX | XXX per the Initial 1003 |
| 2106700 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Total REO's including the subject property the borrower owns |
| 2106700 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Assets after the audit, per the assets Statements in file |
| 2106700 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106702 | XXX |  | Number of Mortgaged Properties | XXX | XXX | # of mortgages properties Per 1003/credit |
| 2106702 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | The True Data was verified to be accurate with the bank Statements. |
| 2106702 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106704 | XXX |  | Number of Mortgaged Properties | XXX | XXX | # of mortgages is one for subject property (new). Present home no mortgage Stated or reported under borrower name |
| 2106704 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | total verified assets on asset screen |
| 2106705 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Confirmed on note in file. |
| 2106705 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Confirmed on Note in file, using percent vs decimal. |
| 2106705 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Confirmed XXX properties owned (subject is XXX unit) |
| 2106705 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Confirmed verified assets in file. |
| 2106705 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Confirmed verified assets in file. |
| 2106793 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | per note |
| 2106793 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | per note |
| 2106793 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106793 | XXX |  | Number of Mortgaged Properties | XXX | XXX | per credit report |
| 2106793 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | per documents in file |
| 2106793 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | per assets in file |
| 2106793 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | per assets in file |
| 2106706 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Updated the ARM initial interest maximum according to the Note |
| 2106706 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Updated the ARM initial Rate minimum according to the Note |
| 2106706 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Update the number of mortgage properties according to the 1003 in file |
| 2106706 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Updated total Reserves based on the bank Statements in the file |
| 2106706 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Updated qualifying reserves POST CLOSE from the bank Statements |
| 2106707 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | per note |
| 2106707 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | The borrower is a XXX |
| 2106707 | XXX |  | Number of Mortgaged Properties | XXX | XXX | per credit report |
| 2106707 | XXX |  | Refinance Type | XXX | XXX | Per final CD and XXX in file rate and term |
| 2106707 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Reserves have been confirmed per guidelines |
| 2106707 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106796 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX 1st rate max |
| 2106796 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Int rate |
| 2106796 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106796 | XXX |  | Lock Date | XXXX | XXXX | XXX XXXX |
| 2106796 | XXX |  | Number of Mortgaged Properties | XXX | XXX | XXX mortgage not including subject |
| 2106796 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | within tolerance |
| 2106796 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Assets from XXXX 6months reserves required |
| 2106796 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | XXX% Assets from XXXX Statements |
| 2106797 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | cap rate |
| 2106797 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | arm initial rate per Note XXX |
| 2106797 | XXX |  | Number of Mortgaged Properties | XXX | XXX | currently owns a primary residence |
| 2106797 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Lender added the full market rent value of XXX to the borrower's income vs audit using negative rental income of XXX on the XXX All debts and income match the lender's final URLA with a DTI of XXX%. |
| 2106797 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | based on verified assets required for loan program |
| 2106797 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | verified assets required per guidelines |
| 2106708 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Confirmed with assets provided |
| 2106708 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106799 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106799 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Per verified assets |
| 2106799 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106800 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Note XXX is XXX% |
| 2106800 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per Note XXX is XXX% |
| 2106800 | XXX |  | Lock Date | XXXX | XXXX | Per lock confirmation XXX XXXX expired XXXX |
| 2106800 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Borrowers own XXX properties including subject. XXX of these are commercial loans titled under their business names; therefore audit did not include in mortgaged property total count. |
| 2106800 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI: Per lender approval ratios XXX%/ XXX%; however, it does not appear Lender included XXX monthly HOA dues for primary residence per LOE from borrower in file. This caused increase in DTI to XXX% |
| 2106800 | XXX |  | Refinance Type | XXX | XXX | Per final CD and XXX in file rate and term |
| 2106800 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Audit Verified assets per asset Statements & final CD in file. |
| 2106800 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Audit Verified assets per asset Statements & final CD in file. |
| 2106709 | XXX |  | Lock Date | XXXX | XXXX | Final XXX per the lock confirmation |
| 2106709 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Borrower owns XXX properties with mortgage(s). |
| 2106709 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is utilizing a Positive Rental Income of XXX for the subject property. Documentation in the file confirms the rental amount of XXX per month but at a XXX% occupancy rate the rental amount (before PITIA) is XXX Review is correctly using a Net Negative rental for Subj Prop of XXX for a XXX% Back end DTI instead of the use of a XXX% of Rental on the income side for an inaccurate XXX% DTI loan approval. |
| 2106709 | XXX |  | Refinance Type | XXX | XXX | Cash Out is correct. Borrower is receiving more funds than allowed per Limited scope |
| 2106709 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Total assets after the audit |
| 2106709 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Total assets for reserves after the audit |
| 2106801 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | initial rate maximum is XXX% per note |
| 2106801 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | initial interest rate minimum per note |
| 2106801 | XXX |  | GSE Eligible Flag | XXX | XXX | GSE Eligible yes |
| 2106801 | XXX |  | Number of Mortgaged Properties | XXX | XXX | mortgage on primary residence + new mortgage on subject= XXX financed properties |
| 2106801 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106801 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | total verified assets |
| 2106801 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | verified assets (actual) |
| 2106802 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX is XXX% |
| 2106802 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | XXX is XXX |
| 2106802 | XXX |  | GSE Eligible Flag | XXX | XXX | XXX |
| 2106802 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106802 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | XXX is XXX |
| 2106802 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106803 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | per note |
| 2106803 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | per note |
| 2106803 | XXX |  | Number of Mortgaged Properties | XXX | XXX | # of mortgages properties Per 1003/credit |
| 2106803 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | True Data reflects the total qualifying assets according to the bank Statement(s) balance(s) provided for audit review. |
| 2106803 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | True Data reflects the total qualifying reserves according to the bank Statement(s) balance(s) provided for audit review. |
| 2106710 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Confirmed entry is correct. |
| 2106710 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Rate will never be less than XXX% per Note |
| 2106710 | XXX |  | Number of Mortgaged Properties | XXX | XXX | XXX Total Mortgages - this include subject property |
| 2106710 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Assets in the amount of XXX verified per Statements |
| 2106710 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106711 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX verified on the note |
| 2106711 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | XXX verified with the note |
| 2106711 | XXX |  | Number of Mortgaged Properties | XXX | XXX | BR has XXX mortgaged properties per credit and urla |
| 2106711 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | lender assets includes cash out |
| 2106711 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | lender assets includes cash out |
| 2106712 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Tape data is currently owned properties without subject property |
| 2106712 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Per verified assets |
| 2106712 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106807 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per the note. |
| 2106807 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per the note. |
| 2106807 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106807 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | The DTI variance is due to the difference in income calculation. The lender used subject property negative income of XXX per month, salaried income of XXX per month and negative other realeState owned rental income of XXX per month. Auditor calculated the same salaried income, used the same negative subject rental income; however, calculated other realeState monthly rental income of XXX using schedule E from most recent tax return. |
| 2106807 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Per the final DU and bank Statements in loan file. |
| 2106807 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Verified per XXXX bank Statements in loan file. |
| 2106808 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per note the rate can go up or down by XXX making maximum XXX. |
| 2106808 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per note XXXX is the lowest rate of interest the loan can drop to. |
| 2106808 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106808 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Assets used for reserves are confirmed with AUS approved BOA, XXX and XXXX accounts. |
| 2106808 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Assets used are confirmed with AUS approved BOA, XXX and XXXX accounts. |
| 2106713 | XXX |  | Lock Date | XXXX | XXXX | Per lock confirmation the correct XXX is XXXX |
| 2106713 | XXX |  | Number of Mortgaged Properties | XXX | XXX | XXX includes investment property B currently owns and subject property |
| 2106713 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Available asset balanced used from most recent Statement provided |
| 2106713 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Removed XXX #XXX from available assets due to being in non-purchasing spouses name. |
| 2106714 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | max interest rate XXX |
| 2106714 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | initial note rate minimum is XXX |
| 2106714 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | total assets XXX |
| 2106714 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106809 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per the Note the interest rate maximum is XXX% |
| 2106809 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per the note the limits on interest rate changes this data of XXX% is correct. |
| 2106809 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106809 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Number of Mortgage is XXX including the subject property |
| 2106809 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to RSU income calculation based of the WVOE in file. RSU income YTD avg + XXX years XXX/XXX = XXX |
| 2106809 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Per assets Statement in the file the XXX is supported. |
| 2106809 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per assets Statement in the file the XXX is supported. |
| 2106810 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | ARM initial interest rate is correct |
| 2106810 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | ARM interest rate is correct per note |
| 2106810 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106810 | XXX |  | Lock Date | XXXX | XXXX | XXX is correct per lock confirmation |
| 2106810 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Assets are correct and verified |
| 2106810 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | assets are correct and verified |
| 2106716 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Initial rate max is XXX% per the Note in file. |
| 2106716 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Initial rate per the Note in file is XXX% |
| 2106716 | XXX |  | Property City | XXX | XXX | CIty is XXX per the Note in file. |
| 2106716 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Assets in file total XXX using XXX% of the retirement accounts |
| 2106716 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106813 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX is XXX% |
| 2106813 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | XXX is |
| 2106813 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106813 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | total Asset 7XXX |
| 2106813 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Total asset is XXX |
| 2106718 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | ARM IO int rate max is XXX% per NOTE pg. XXX |
| 2106718 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | ARM minimum initial rate is XXX% per Note pg. XXX |
| 2106718 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Number of financed properties is XXX including subject property |
| 2106718 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Total verified assets is XXX per asset Statements in file |
| 2106718 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Total verified assets is XXX per asset Statements in file |
| 2106719 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Updated mortgaged properties to include subject property mortgage |
| 2106719 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Updated assets per Asset Statements provided |
| 2106815 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX% rate |
| 2106815 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Interest rate confirmed on note |
| 2106815 | XXX |  | Refinance Type | XXX | XXX | Per final CD and XXX in file rate and term |
| 2106815 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Assets and reserves matched lenders |
| 2106720 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | True Data reflects the qualified assets for reserves according to the bank Statement(s) balance(s) provided which is prior to the required net proceeds. |
| 2106720 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | True Data reflects the qualified assets according to the bank Statement(s) balance(s) provided and net proceeds at the time of consummation. |
| 2106817 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Initial Max int rate is XXX% per Note pg. XXX |
| 2106817 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | initial int rate minimum is XXX% per Note pg. XXX |
| 2106817 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106817 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Borrower owns XXX financed properties including subject property |
| 2106817 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI is less than guideline XXX% (AUS DTI is due to Net Rental income difference - XXX%) |
| 2106817 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | total qualified assets for reserves is XXX |
| 2106817 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | qualified funds post close reserves XXX |
| 2106818 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Final Note: (pg. XXX) |
| 2106818 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Note: (pg.XXX) |
| 2106818 | XXX |  | GSE Eligible Flag | XXX | XXX | AUS/DU Approve Eligible in loan file. XXX |
| 2106818 | XXX |  | Number of Mortgaged Properties | XXX | XXX | A total of XXX properties are reflected on Final 1003, tax returns. |
| 2106818 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | REO Income calculation is slightly lower than lender. Within variance |
| 2106818 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Assets considered during review were calculated and matched AUS and 1003 |
| 2106818 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Assets considered during review were calculated and matched AUS and 1003 |
| 2106820 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106820 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI variance is due to variance in OREO calculations |
| 2106820 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Audit asset value captured from the asset documentation in the loan file. |
| 2106820 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Audit value captured from the assets |
| 2106722 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | First change date rate ceiling |
| 2106722 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | ARM Initial rate minimum from the Note |
| 2106722 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Assets available after the audit |
| 2106821 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Note |
| 2106821 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per Note |
| 2106821 | XXX |  | GSE Eligible Flag | XXX | XXX | DU Approve/Eligible |
| 2106821 | XXX |  | Number of Mortgaged Properties | XXX | XXX | XXX financed properties total with the purXXXX of subject property |
| 2106821 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit was unable to verify monthly property tax amount of XXX for subject property. Audit used page XXX amount of $XXX/XXX months = XXX |
| 2106821 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Per Asset Statement page XXX Money Market Account |
| 2106821 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per Asset Statement page XXX Money Market Account |
| 2106725 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Verified note |
| 2106725 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Verified via note |
| 2106725 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106725 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | verified assets on file |
| 2106725 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Verified assets on file |
| 2106726 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | per note |
| 2106726 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | per note |
| 2106726 | XXX |  | Lock Date | XXXX | XXXX | per lock confirmation in file, XXX is XXXX |
| 2106726 | XXX |  | Number of Mortgaged Properties | XXX | XXX | per credit report and Final 1003 |
| 2106726 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | per assets in file |
| 2106726 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | per assets in file |
| 2106727 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Note maximum rate is XXX% (pg. XXX) |
| 2106727 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Final Note reflects XXX (pg. XXX) |
| 2106727 | XXX |  | Lock Date | XXXX | XXXX | Lock reflects: XXXX (pg. XXX) |
| 2106727 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | 401k account balance calculated using XXX% per guidlines. |
| 2106727 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | 401K AMDOCS account used only for reserves XXX |
| 2106728 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | ARM initial rate max per the Note |
| 2106728 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | ARM interest rate minimum per the Note |
| 2106728 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Total assets for reserves after the audit |
| 2106728 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Total assets after the audit |
| 2106729 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Total financed properties including subject is XXX |
| 2106729 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Confirmed with assets in file. Removed XXX fargo as only XXX month Statement provided need XXX per guidelines. |
| 2106729 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Confirmed with assets in file. Removed XXX fargo as only XXX month Statement provided need XXX per guidelines. |
| 2106730 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX% interest rate max |
| 2106730 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | per note |
| 2106730 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | tape data includes verified cash from bank Statement plus cash to borrower |
| 2106730 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | tape data reflects verified cash plus cash out from transaction |
| 2106731 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | XXX- Available assets in file. |
| 2106731 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | XXX- Total assets-$XXX-Cash to close and reserves-$XXX= XXX |
| 2106732 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Updated the ARM Initial Rate Maximum with the corrected amount according to the Note in file |
| 2106732 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Updated the ARM initial Interest Minimum with the corrected amount according to the Note in file |
| 2106732 | XXX |  | Lock Date | XXXX | XXXX | Updated the XXX with the correct date according to the lock agreement in file |
| 2106732 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Updated the Number of mortgage properties according to the 1003 and credit report in file |
| 2106732 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Updated the Qualified total Assets reserves according the assets in the file |
| 2106732 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Updated the qualified Assets reserves post close according to the assets in the file |
| 2106822 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per Note on page XXX |
| 2106822 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per Note on page XXX |
| 2106822 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106822 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Confirmed borrower owns XXX mortgage properties |
| 2106822 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | per assets in file |
| 2106822 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | verified assets per bank Statements |
| 2106823 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Per NOTE: pg #XXX.. nterest rate borrower required to pay at the first Change Date will not be greater than XXX% |
| 2106823 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Per NOTE: pg #XXX.. nterest rate borrower required to pay at the first Change Date will not be less than XXX% |
| 2106823 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106823 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Audit: verified the following assets-XXX) XXXX 403B-$XXX as of12/XXX/XXX pg #XXX) XXXX MM #XXX-$XXX) XXXX Bk & Tr Chking #XXX-$XXX as XXX/XXX/XXX... Total Available Assets=$XXX |
| 2106823 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Audit: verified the following assets-XXX) XXXX 403B-$XXX as of12/XXX/XXX pg #XXX) XXXX MM #XXX-$XXX) XXXX Bk & Tr Chking #XXX-$XXX as XXX/XXX/XXX... Total Available Assets=$XXX-$XXX Cash required to Close)=$XXX |
| 2106824 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX (XXX / XXX%): "Per ARM disclosure and note terms, the lifetime interest rate cap (ceiling) is XXX% (XXX). This represents the maximum interest rate that can be charged over the life of the loan, regardless of index movement." |
| 2106824 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Confirmed per docs in file |
| 2106824 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106824 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Verified XXX properties including Subject property |
| 2106824 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit_calculated from diligence and verified income/expenses |
| 2106824 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Audit_ verified assets docs |
| 2106824 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Audit - assets verified XXX mos personal bank stmt in the file. |
| 2106736 | XXX |  | Refinance Type | XXX | XXX | Per final CD and XXX in file rate and term |
| 2106736 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | XXX- Per Bank Statements in file-$XXX |
| 2106736 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | XXX- Per Bank Statements in file-$XXX |
| 2106825 | XXX |  | Application Date | XXXX | XXXX | app date XXXX |
| 2106825 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106825 | XXX |  | Number of Mortgaged Properties | XXX | XXX | subject mortgage, mortgage on residence, mortgage on XXXg, mortgage on XXX XXXX= XXX mortgages |
| 2106825 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX is correct DTI according to all the tax/ins per monthrtgage/HOA/proposed and other debt per monthrtgages |
| 2106825 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | verified assets before down payment |
| 2106825 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | verified assets per bank Statements |
| 2106739 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | CONFIRMED XXX |
| 2106739 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | CONFIRMED XXX |
| 2106739 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | CONFIRMED XXX |
| 2106739 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | CONFIRMED XXX |
| 2106740 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Confirmed with assets provided |
| 2106740 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Confirmed with assets provided |
| 2106743 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | added in IRA documented with XXX months Statements |
| 2106743 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | liquid funds XXX em- XXX |
| 2106744 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Total number of verified mortgages confirmed using credit report in file. |
| 2106744 | XXX |  | Refinance Type | XXX | XXX | Per final CD and XXX in file rate and term |
| 2106744 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Verified total assets using XXXX (DDA) Statement and XXXX (retirement) Statement for qualifying assets of XXX reduced by allowable usage on retirement funds. This total is prior to closing costs exclusion. |
| 2106744 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Verified total assets using XXXX (DDA) Statement and XXXX (retirement) Statement for qualifying assets of XXX reduced by allowable usage on retirement funds. |
| 2106745 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Confirmed verified assets XXX |
| 2106745 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Confirmed verified assets XXX |
| 2106746 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Number of Mortgages- XXX Properties |
| 2106746 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | XXX- Assets in file XXX |
| 2106746 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106747 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Guidelines allow for XXX% of stocks and bonds. Asset balance. $XXX. (pg. XXX) |
| 2106747 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Guidelines allow for XXX% of stocks and bonds. Asset balance. $XXX. (pg. XXX) |
| 2106748 | XXX |  | Number of Mortgaged Properties | XXX | XXX | per credit report |
| 2106748 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | per assets in file |
| 2106748 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106749 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | XXX is XXX% |
| 2106749 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | XXX change is XXX% |
| 2106749 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| 2106749 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Total qualified asset is $XXX. |
| 2106749 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Total asset reserve XXX |
| 2106827 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106827 | XXX |  | Number of Mortgaged Properties | XXX | XXX | XXX mortgages - OO and purchasing a NOO |
| 2106827 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Total DTI - lender using higher HOA and HOI |
| 2106827 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Using ending balance of most recent Statement - matches 1003 |
| 2106750 | XXX |  | Application Date | XXXX | XXXX | App date reflects |
| 2106750 | XXX |  | Lock Date | XXXX | XXXX | Was not going to change CD dates per management |
| 2106750 | XXX |  | Number of Mortgaged Properties | XXX | XXX | The borrower has XXX mortgage properties |
| 2106750 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Assets updated |
| 2106750 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Assets updated |
| 2106751 | XXX |  | Number of Mortgaged Properties | XXX | XXX | number of Financed property is XXX including subject property |
| 2106751 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Total verified assets is XXX |
| 2106751 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Total post closing assets is XXX |
| 2106752 | XXX |  | Lock Date | XXXX | XXXX | XXXX |
| 2106752 | XXX |  | Number of Mortgaged Properties | XXX | XXX | XXX PROPERTIES FINANCED, INCLUDING THE SUBJECT |
| 2106752 | XXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Matches Lender |
| 2106752 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Updated assets |
| 2106752 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Updated assets |
| 2106753 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | XXX- Per Assets in file XXX |
| 2106753 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | XXX- Total Assets XXX |
| 2106829 | XXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Validated with Note |
| 2106829 | XXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | validated with Note in file |
| 2106829 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106829 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Validated with assets in file |
| 2106829 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | validated Assets in file |
| 2106830 | XXX |  | GSE Eligible Flag | XXX | XXX | Verified DU Approve/Eligible |
| 2106830 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Verified XXX $ XXX |
| 2106830 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Verified XXX $ XXX |
| 2106831 | XXX |  | GSE Eligible Flag | XXX | XXX | Confirmed with AUS in file |
| 2106831 | XXX |  | Lock Date | XXXX | XXXX | Per rate lock |
| 2106831 | XXX |  | Number of Mortgaged Properties | XXX | XXX | # of mortgages properties Per 1003/credit |
| 2106831 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Per verified assets |
| 2106831 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Per verified assets |
| 2106755 | XXX |  | Number of Mortgaged Properties | XXX | XXX | Per 1003 |
| 2106755 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | Verified per Bank Statements |
| 2106755 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | Verified per Bank Statements |
| 2106756 | XXX |  | Number of Mortgaged Properties | XXX | XXX | per the credit report and documentation in the file |
| 2106756 | XXX |  | Total Qualified Assets Available For Reserves | $XXX | $XXX | per assets in file |
| 2106756 | XXX |  | Total Qualified Assets for Reserves Post-Close | $XXX | $XXX | per assets in file |
| 2109853 | XXX |  | MIN No | XXX | XXX | Verified with the Security Instrument |
| 2109853 | XXX |  | Verified Doc Type | XXX | XXX | Verified with the lock and approval |
| 2109853 | XXX |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the liabilities |
| 2109851 | XXX |  | Property Value | XXX | XXX | The appraisal confirms the value of XXX |
| 2109851 | XXX |  | Application Date | XXXX | XXXX | Initial 1003 loan Originator signature date confirms XXX. |
| 2109851 | XXX |  | Verified Doc Type | XXX | XXX | The income for both borrower is verified for XXX and YTD XXX No XXX income provided. |
| 2109851 | XXX |  | Qualifying FICO | XXX | XXX | Credit report confirms lowest middle score is XXX vs B2's lowest score of XXX |
| 2109851 | XXX |  | Qualifying CLTV | XXX | XXX | Loan Amount $XXXX/appraisal confirmed value of $XXX= 74.07% CLTV. |
| 2109851 | XXX |  | Qualifying LTV | XXX | XXX | Loan Amount $XXXX/appraisal confirmed value of $XXX= 74.07% LTV. |
| 2109851 | XXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Audit confirms remaining verified assets/PITI = XXX mos reserves. |
| 2109851 | XXX |  | Qualifying All Borrower Residual Income | XXX | XXX | Audit confirmed income minus debts matches the Lender's calculations for residual income in file.. |
| 2109852 | XXX |  | Maturity Date | XXXX | XXXX | Final note in file XXX is XXX/XXX/XXX. |
| 2109852 | XXX |  | First Payment Date | XXXX | XXXX | Per note in file dated XXXX is XXX/XXX/XXX. |
| 2109852 | XXX |  | Note Date | XXXX | XXXX | New note in file is dated XXXX |
| 2109852 | XXX |  | Application Date | XXXX | XXXX | Per initial application in the file the XXX is XXXX |
| 2109852 | XXX |  | Verified Doc Type | XXX | XXX | B1 has several streams of income W2, XXX K1, child support and XXX. All have XXX yrs history. |
| 2109852 | XXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets in file reflect XXXX months of qualifying assets, exceeding the XXX months required |
| 2109852 | XXX |  | Qualifying All Borrower Residual Income | XXX | XXX | Borrower combined income is XXX and total monthly debt is $XXX. Auditor residual XXX is in line with Originator calc XXX |
| 2091069 | XXX |  | T & I Payment | $XXX | $XXX | XXX taxes + XXX insurance = XXX TIA |

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## Exhibit 99.05

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.05 - Schedule 2**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 2106758 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106758 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106664 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. DSCR- Lease-$XXX/Total Housing Payment-$XXX= XXX. | Document Uploaded. The lease shows an increase in XXXX to XXX this is the amount that was used. Please clear. | 10/09/2025 | Qualifying DSCR meets Guidelines | 10/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106664 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106666 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; ; AVM provided, however, FSD score was above XXX and not eligible to clear TPV requirement. Please provide an additional secondary validation product. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106666 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106759 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106759 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106760 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106760 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106667 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106667 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106668 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106668 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2098438 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2098438 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2098438 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106761 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The Collateral Underwriter Risk Score is XXXX on a scale of XXX to XXX where XXX indicates highest potential collateral risk. |  |  | ; TPV provided; finding resolved | 11/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2106761 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Title Document is missing | Document Uploaded. see ftp | 10/20/2025 | Title provided, exception resolved. ; Title Document is fully Present | 11/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2106761 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2106671 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | A signed letter from the borrower's addressing the recent credit inquiries listed on the credit report was not found, Lender to provide. | Document Uploaded. | 10/09/2025 | LOE provided. | 10/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106671 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106762 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106762 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106763 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Rescinded | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | Provide verification that check #XXX for XXX on XXXX, check #XXX for XXX on XXXX and XXX deposit of XXX on XXXX did not incur any new additional debts. | Document Uploaded. Re: XXX deposit – this is sourced – see upload. If it's a trade confirmation, it's not a debt. Re: checks clearing #XXX and #XXX – it is not customary to question checks clearing a Borrower's bank account and asking if they acquired debt with the checks that they wrote. Please clear. | 10/21/2025 | Source of large deposit on page XXX and copies of checks written not required. Condition rescinded. | 10/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106763 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/21/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106672 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106672 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2098445 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2098445 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106764 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | ; TPV provided; finding resolved | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2106764 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing Please provide the Final 1003 with the correct income/rental calculations used to qualify. | Document Uploaded. uploaded | 10/20/2025 | The Final 1003 is Present | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2106764 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Please provide the final XXX | Document Uploaded. uploaded | 10/20/2025 | Approval/Underwriting Summary is fully present | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2106764 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% |  |  | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% and is within the XXX% variance. The difference is the subject P&I payment calculating at $XXX. Resulting in a final of $XXX; which also made the subject net rent loss higher at $XXX. No additional issues.; Audited DTI of XXX% exceeds AUS DTI of XXX% Audit DTI of XXX% due to Total REO negative net rental income of XXX most conservative from Final 1003 provided in Trailing docs. The AUS (Submission number XXX) Income, DTI, and Negative Net Rental amounts do not match the XXX provided in trailing docs.; Audited DTI of XXX% exceeds AUS DTI of XXX% Audit DTI of XXX% due to Total REO negative net rental income of XXX most conservative from Final 1003 provided in Trailing docs. The AUS (Submission number XXX) Income, DTI, and Negative Net Rental amounts do not match the XXX provided in trailing docs. | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2098447 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Acknowledged | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing for the initial disclosures e signed by the borrower XXXX. |  |  | Acknowledged as 2/B grading per client request. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2098447 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant- Appraisal requirement met |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2098447 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2098447 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 2106674 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106674 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106765 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106765 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106675 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106675 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106675 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106681 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106681 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106773 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE2052 | Credit | Missing Tax Cert | Missing tax cert for BR1 primary residence. | Document Uploaded. | 10/21/2025 | Lender provided tax cert | 10/22/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106773 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106776 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Missing complete title report, supplement in file only | Document Uploaded. see FTP | 10/24/2025 | Title Document is fully Present | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106776 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE4104 | Credit | Missing explanation and supporting documentation for large deposit(s) | Source of large deposit for XXX from XXX XXXX. Per AUS any amount over XXX% of income to be sourced | The AUS requires funds that are needed for closing to be verified.... per AUS - they need XXX to close and XXX reserves = $XXX... Excess reserves of XXX ARE NOT REQUIRED TO BE VERIFIED BY DU. Please clear. | 10/24/2025 | Re-reviewed and confirmed the XXX deposit does not interfere with the amount required to close and/or reserves. Resolved. | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106776 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106777 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106777 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106777 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2098469 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 02/10/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2098469 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Acknowledged | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Property was listed for sale within XXX months; guidelines do not allow. Lender confirmed and acknowledged. Comp Factors : Listing cancelled XXXX, have LOE with intent to retain property, XXX months reserves | Listing cancelled XXXX, have LOE with intent to retain property, XXX months reserves | 10/13/2025 | Lender exception in file. Comp Factors : Listing cancelled XXXX, have LOE with intent to retain property, XXX months reserves. Exception downgraded to a level 2/B. | 01/19/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2098469 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2098469 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106687 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106687 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106783 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product is not required. Loan was qualified with a full Appraisal as per guidelines. The subject property is a XXX unit property. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2106783 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | The hazard insurance documentation for the subject property reflects XXX as an additional interest. The loan is not reported in the Credit Report and the file does not contain a letter of explanation or documentation to confirm if the loan is the same loan as XXX mortgage that was secured with the property and was paid off at closing or if the loan is paid off/closed. | Document Uploaded. The mortgagee reflected is the current servicer, XXX | 10/21/2025 | Lender provided mtg payment history confirming that the mortgagee reflected is the current servicer, XXX. | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2106783 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2106688 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Acknowledged | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXXX is after the Disbursement Date of XXXX. | Document Uploaded. | 10/30/2025 | Attestation provided showing that no claims were filed against the HOI policy; finding downgraded and acknowledged. | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106688 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2108394 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Preliminary Title Commitment confirms that the subject property is classified as a Condominium under State law, although the structure is a detached unit. The property is not a Planned Unit Development (PUD), but a Condominium; therefore, a Condo Rider is required to be attached to the Deed of Trust. | Document Uploaded. Will be re-recorded on Monday XXXX - this should be sufficient as the DOT is a trailing doc. Thank you!! | 12/07/2025 | The Deed of Trust is Present and Complete; Affidavit of error correcting the mortgage riders error provided. | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2108394 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing Preliminary Title Commitment confirms that the subject property is classified as a Condominium under State law, although the structure is a detached unit. Originating Lender must determine whether the property qualifies for an exemption from a condominium project review. | Document Uploaded. | 10/23/2025 | HOA Questionnaire Provided; Resolved with uploaded document | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2108394 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Documentation is required to support the wood burning stove has been removed and the flue capped in a workman like manner. | Document Uploaded. Requesting this to be waived | 10/23/2025 | The issue with the property has been resolved.; The issue with the property has been resolved; No issues per appraisal. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2108394 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Documentation for XXX is required to support the reported mortgage, notes, and bonds payable totaling XXX which are due beyond one year. The absence of this documentation may result in a material impact to the initial qualifying income. | Document Uploaded. | 10/28/2025 | Income and Employment Meet Guidelines | 10/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106692 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106692 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106786 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106786 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106693 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing Third Party Valuation to support the subject's value within XXX% (XXX-XXX unit, no CU score on UCDP). |  |  | Third party valuation product provided within tolerance. | 10/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106693 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106787 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.98% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.98% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106787 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.98% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.98% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106694 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106694 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106695 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Per guidelines if No Score is provided and Reps & warranty not Eligible from the time of origination. A post close Third Part Valuation is required |  |  | Third party valuation product provided within tolerance. | 10/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106695 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106696 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106696 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106697 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106697 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106697 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106790 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106790 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106791 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Acknowledged | FCRE3501 | Credit | Borrower 2 residency documentation not provided or issue with documentation | B2 has H4 Visa. Client acknowledged - compensating factors : Borrower is married to a VISA Holder H1B. |  |  | Client acknowledged - compensating factors : Borrower is married to a VISA Holder H1B. Exception downgraded to a level 2/B. | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106791 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106792 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106792 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106699 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). | Document Uploaded. Attached Appraisal delivery Receipt | 10/14/2025 | Evidence of appraisal delivery provided. | 10/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2106699 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2106699 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2106700 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106700 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106702 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The HOI only shows the Dwelling Limit of XXX and Extended Dwelling Coverage Limit up to XXX% | Document Uploaded. see XXX Hazard Insurance Calculator. | 10/14/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106702 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCOM4283 | Credit | Missing Deed of Trust | There are XXX DOT's in the file. They all reflect a loan amount of XXX This does not match the Note, CD, Title, Final 1003 and other docs in the file that reflect a loan amount of XXX The loan amount of XXX would also correspond with the 75% LTV. | Document Uploaded. see recorded DOT at correct loan amount. | 10/14/2025 | Re-recorded DOT provided with correct loan amount. | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106702 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106702 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106704 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Acknowledged | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines need proof of prior rental property management per DSCR guidelines as of XXXX | Document Uploaded. see4 exception from XXX LOS system. | 10/15/2025 | Lender exception approval dated XXXX - 1st Time Investor. Compensating factors: Excess DSCR, Low LTV | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106704 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106704 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106705 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Acknowledged | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Per guidelines, title cannot be in an LLC. Client acknowledged - Title has not changed from LLC to borrower prior to XXX. Comp Factors : Reserves | Reserves | 10/13/2025 | Lender Exception noted for Title has not changed from LLC to borrower prior to application. Comp Factors : Reserves. Exception downgraded to a level 2/B. | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106705 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Closing documents reflect XXXXX Title; however, the title documentation was not found in file. Please provide. | Document Uploaded. Attached Title Report | 10/14/2025 | Title Document is fully Present | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106705 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party valuation not found in file. |  |  | Third party valuation product provided within tolerance.; ; AVM provided, however, FSD score was above XXX and not eligible to clear TPV requirement. Please provide an additional secondary validation product. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106705 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | Exception noted for Title has not changed from LLC to borrower prior to application; however, exception approval only included one compensating factor which was reserves. Please provide second compensating factor. | Document Uploaded. see exception approval from XXX LOS - with comp factors present. | 10/14/2025 | Lender Exception noted for Title has not changed from LLC to borrower prior to application. | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106793 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106793 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106706 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UW- UCDP Does not have a score on the report in the file and COLLATERAL IS NOT ELIGIBLE according to the report in file. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided; Confidence/FSD score is not within variance. Additional documentation is required. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 21.16% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 21.16% is less than Guideline CLTV of 65% A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106706 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 21.16% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 21.16% is less than Guideline CLTV of 65% A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106706 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 21.16% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 21.16% is less than Guideline CLTV of 65% A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106707 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 21.48% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 21.48% is less than Guideline LTV of 80% A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106707 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 21.48% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 21.48% is less than Guideline LTV of 80% A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106796 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106796 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106797 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106708 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 10/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B | N/A | N/A C B | N/A C B | N/A C B | N/A C B | N/A C B | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106708 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Transmittal XXXy reflects wrong PITI. Homeowners insurance monthly amount is incorrect. | Document Uploaded. uploaded | 10/16/2025 | Approval/Underwriting Summary is fully present | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B | N/A | N/A C B | N/A C B | N/A C B | N/A C B | N/A C B | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106799 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106799 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106800 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Acknowledged | FCRE1254 | Credit | Property Title Issue | Property Title Issue Property was listed for sale within XXX days of application. Client acknowledged : Compensating Factors Listing cancelled; LOW from borrower, reserves, and LTV> |  |  | Client acknowledged : Compensating Factors Listing cancelled; LOW from borrower, reserves, and LTV. Exception downgraded to a level 2/B. | 02/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.16% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 28.16% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106800 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.16% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 28.16% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106800 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.16% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 28.16% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106709 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106709 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106709 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106801 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106801 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106802 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Third party VOE is not in the file | Document Uploaded. | 10/21/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 02/10/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106802 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106803 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106803 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106803 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106710 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 10/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106710 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106711 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/12/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Per lender approval the subject property is located in a FEMA declared disaster county. A final inspection with photos will be required, prior to closing. A lender exception was given for this condition. Comp factors : No damages per appr, photo; 67.67% LTV. |  |  | Full URAR dated after disaster confirms no damage. Condition cleared.; A lender exception was given for this condition. Comp factors : No damages per appr, photo; 67.67% LTV. Exception downgraded to a level 2/B. | 02/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2106711 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2106711 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2106712 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106712 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106712 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106807 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106807 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106808 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106808 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106713 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106713 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106713 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106714 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106714 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106809 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106809 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106810 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106810 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106716 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106716 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106813 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106813 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106718 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 10/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.54% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.54% is less than Guideline LTV of 75% A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106718 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.54% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.54% is less than Guideline LTV of 75% A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106718 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.54% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.54% is less than Guideline LTV of 75% A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106719 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106719 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106815 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Acknowledged | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Full Detached Condo. Subj is REFI - Previous loan with XXX for same property #XXX-- Full Detached Condo; Condo waiver would apply under confirming product. Loan amount exceeds the maximum allowable loan limit of XXX for the county of XXX and casefile is ineligible for delivery to Fannie Mae. Client acknowledged - compensating factors : XXX holds mortgage |  |  | Client acknowledged - compensating factors : NB holds mortgage. Exception downgraded to a level 2/B. | 02/10/2026 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106815 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Rescinded | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | ; Informational | 10/24/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106815 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106815 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106720 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106720 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106817 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106817 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106818 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106818 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106820 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106820 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106722 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 10/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.53% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.53% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106722 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.53% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.53% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106821 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.2% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.2% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106821 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.2% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.2% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106725 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106725 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106725 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106726 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106726 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106727 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106727 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106728 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106728 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106729 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106729 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106730 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106730 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106731 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/13/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106731 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106732 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.5% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.5% is less than Guideline LTV of 80% A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106732 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.5% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.5% is less than Guideline LTV of 80% A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106822 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing TPR |  |  | Third party valuation product provided within tolerance. BPO provided which supports appraised value. Condition cleared.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided did not support value within XXX% Condition remains.; TPV provided; finding resolved | 02/18/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2106822 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2106823 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2106823 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2106824 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106824 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106736 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106736 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106825 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106825 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106739 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106739 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106739 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106740 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE9785 | Credit | PurXXXX Contract is Incomplete | Loan Purpose is PurXXXX but PurXXXX Contract Doc is Incomplete Missing addendum to purXXXX contract for extension of closing date. | XXX does not require an addendum to the contract re: the extension of the closing date. If both parties are at the closing, then it's clear that they will proceed with the transaction. Please clear. | 10/14/2025 | PurXXXX Contract Doc is complete. | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106740 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106743 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/18/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements 1x30 on XXX. Lender granted an exception with compensating factors: XXX Fico, appears isolated, XXX mos reserves |  |  | Lender granted an exception with compensating factors: XXX Fico, appears isolated, XXX mos reserves. Exception downgraded to a level 2/B. | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106743 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106744 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106744 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106745 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Missing certificate of completion 1004D Fannie Mae or XXX form. | Document Uploaded. It's as is? | 10/20/2025 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX | 10/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106745 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE1176 | Credit | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XXXX is after the XXX of XXXX | Document Uploaded. The effective date is XXXX - see upload | 10/20/2025 | Hazard policy was effective as of the XXX, exception resolved. ; HO-6 Insurance Policy Effective Date of XXXX is prior to or equal to the Disbursement Date of XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106745 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106746 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/15/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106746 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/15/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106747 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106747 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106747 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106748 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX | Document Uploaded. ; Document Uploaded. see exception approval from XXX LOS. | 10/23/2025 | Lender provided exception to guideline. Compensating factors include: reserves, credit, LTV.; Please provide exception approval with complete wording. The Compensating Factors and Decision Reason are cut off. | 10/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106748 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106749 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106749 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106749 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106827 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Address on HOI for described location is XXX should be XXX | Document Uploaded. emailed XXXX - please change to "acknowledged"; Document Uploaded. It expired October XXX so perhaps that's why the agent is ignoring my emails..? At any rate, I've gotten the HOI from the current servicer. Will this be sufficient? | 11/05/2025 | Hazard Insurance Policy is fully present; The issue is the dwelling insurance address on the HOI document. Please provide an updated HOI document with the correct property address of XXX XXXX. | 11/05/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106827 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106750 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. tolerance is above XXX |  |  | Third party valuation product provided within tolerance. | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2106750 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2106751 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106751 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106752 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy Per flood cert, property is located in Flood Zone XXX. Flood policy is missing. | Document Uploaded. | 10/24/2025 | Flood Insurance Policy is fully present | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2106752 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP score triggered finding. |  |  | Third party valuation product provided within tolerance. | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2106753 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX is below lenders min guidelines XXX. | Document Uploaded. see approval from XXX LOS | 10/22/2025 | Lender exception approval dated XXXX provided - DSCR off by.XXX. LTV Reserves, Pay History | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106753 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2106829 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | Loan is Non-QM due to APR. Compensating Factor - XXX months reserves. Lender exception in file, however only XXX compensating factor was provided. Please provide additional comp factors. | Document Uploaded. uploading | 10/24/2025 | Received a screenshot to include compensating factors. Loan is Non-QM due to APR. Compensating Factor - XXX months reserves, credit pay history, DTI below program max. | 10/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106829 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106829 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2106830 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106830 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106831 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106831 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2106755 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106755 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106756 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing Missing March XXXX bank Statements to support the income used by the Lender. |  |  | Borrower 1 Business Bank Statements Provided. Received copies of the business bank Statements utilized for the borrower's income. Confirmed sufficient. | 10/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Missing March XXXX bank Statements to support the income used by the Lender for XXX% Back End DTI approval generating a XXX borrower income. Review DTI of XXX% based on Lender Income Calculator in file determining a XXX Total Borrower income with a XXX% expense ratio. Finding for missing income docs exists. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106756 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Missing bank Statements from XXX to XXX to support the income the lender used to qualify at origination. | Document Uploaded. Uploaded the bank Statements and Income Analysis sheet. Uploaded the bank Statements from XXXX till XXX/XXX. | 10/24/2025 | ATR: Reasonable Income or Assets Was Considered. Received copies of the business bank Statements utilized for the borrower's income. Confirmed sufficient. | 10/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Missing March XXXX bank Statements to support the income used by the Lender for XXX% Back End DTI approval generating a XXX borrower income. Review DTI of XXX% based on Lender Income Calculator in file determining a XXX Total Borrower income with a XXX% expense ratio. Finding for missing income docs exists. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106756 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing March XXXX bank Statements to support the income used by the Lender for XXX% Back End DTI approval generating a XXX borrower income. Review DTI of XXX% based on Lender Income Calculator in file determining a XXX Total Borrower income with a XXX% expense ratio. Finding for missing income docs exists. |  |  | Income and Employment Meet Guidelines. Received copies of the business bank Statements utilized for the borrower's income. Confirmed sufficient. | 10/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Missing March XXXX bank Statements to support the income used by the Lender for XXX% Back End DTI approval generating a XXX borrower income. Review DTI of XXX% based on Lender Income Calculator in file determining a XXX Total Borrower income with a XXX% expense ratio. Finding for missing income docs exists. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2106756 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Missing March XXXX bank Statements to support the income used by the Lender for XXX% Back End DTI approval generating a XXX borrower income. Review DTI of XXX% based on Lender Income Calculator in file determining a XXX Total Borrower income with a XXX% expense ratio. Finding for missing income docs exists. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2109853 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2109853 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2109853 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2109851 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2109851 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2109851 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2109852 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2109852 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2109852 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124306 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124306 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124306 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Lender approved exception (page XXX) granted at time of origination to allow utilization of the credit report for the mortgage history. Approval based upon the following compensating factors: 0x30 x XXX Mortgage history and more than XXX months reserves. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124309 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. Documentation required: Provide Note for testing. | Document Uploaded. | 12/03/2025 | The Note is Present.; Executed note provided; | 12/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2124309 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing | Document Uploaded. DOT attached. | 12/03/2025 | The Deed of Trust is Present; Recorded DOT with riders; | 12/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2124309 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing The mortgage and PUD Rider were not provided. Unable to review. | Document Uploaded. See attached. | 12/03/2025 | The PUD Rider is Present or is XXX (Property Type is PUD); | 12/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2124309 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Acknowledged | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XXXX. |  |  | Acknowledged as 2/B grade | 12/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2124309 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Acknowledged | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing |  |  | Acknowledged as 2/B grade | 12/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2124309 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Acknowledged | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing |  |  | Acknowledged as 2/B grade | 12/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2124309 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the settlement fees due to missing service providers list. Providing a service providers list issued within XXX business days of application, XXXX, or a valid reason for the changes, may cure the violation. | Document Uploaded. SSPL | 12/09/2025 | SSPL provided; Exception resolved; SSPL provided; Exception resolved | 12/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2124309 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2124283 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124283 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124283 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124279 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Cure - Provide evidence consumer received a copy of the appraisal XXX days prior to consummation XXXX. | Document Uploaded. This was located in the file delivered to XXX. | 12/09/2025 | Evidence of appraisal delivery provided. | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.27% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.27% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C | B C | B C | B C | B | A B | A B | A B | A B | A |
| 2124279 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Lender approved exception granted at time of origination to allow the use of the credit report for evidence of mortgage history. Compensating factors used were 0x30 x XXX mortgage history. Reserves >XXX months, Time at employment>XXX years, Time. Audit determined these comp factors are valid. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.27% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.27% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A C | B C | B C | B C | B C | B | A B | A B | A B | A B | A |
| 2124279 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Acknowledged | FVAL5385 | Property | Property has been listed for sale in the past 6 months | Lender approved exception granted at time of origination for the property being listed within the last XXX months. Compensating factors used were 0x30 x XXX mortgage history. Reserves >XXX months, Time at employment>XXX years, Time. Audit determined these comp factors are valid. Subject is a rate term refi. Borrower provided LOX. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.27% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.27% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A C | B C | B C | B C | B C | B | A B | A B | A B | A B | A |
| 2124279 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.27% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.27% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C | B C | B C | B C | B | A B | A B | A B | A B | A |
| 2124279 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.27% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.27% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C | B C | B C | B C | B | A B | A B | A B | A B | A |
| 2124296 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124296 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Acknowledged | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender approved exception granted at time of origination to allow utilization of credit report for the mortgage history. Approval based on the following compensating factors: XXX mortgage history and Reserves>XXX months. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124284 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124284 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124284 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124280 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | The lender's guidelines require a Business Narrative when using XXX months of bank Statements to calculate the income. The loan file contained the Business Narrative; however, it is not signed by the borrower. | Document Uploaded. Signed business narrative | 12/12/2025 | ; Signed business narrative provided. | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.82% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.82% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2124280 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.82% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.82% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2124280 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.82% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.82% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2124293 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124293 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124304 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCRE1487 | Credit | Asset 9 Does Not Meet Guideline Requirements | Asset 9 Does Not Meet Guideline Requirements The lender's guidelines State gifts must be evidence by a gift letter signed by the donor. The Final 1003 reflects gifts for XXX and XXX ($XXX X XXX). Gift letter for XXX (which is the earnest money) and XXX gift letters for XXX were provided; however, the CD reflects XXX in earnest money and XXX gifts for XXX each. (1st page of CD reflects XXX gifts for XXX and XXX on addendum which reflects this is for XXX more gifts of XXX each). The donor for the XXX gift is the same donor who gave the 6th XXX gift. The loan file is missing the gift documentation for the 6th XXX gift. | Document Uploaded. See reconciled PCCD with confirmed gifts use for the transaction. | 12/22/2025 | Client provided evidence the final XXX gift was added in error. This amount was removed from Assets. Still qualifies. Cleared.; Asset 9 Meets Guideline Requirements Or XXX | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124304 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124303 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124308 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124308 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124308 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124287 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124287 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124287 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124281 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.29% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.29% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124281 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.29% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.29% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2124305 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Resolved | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% The lender's guidelines reflect the maximum interested party contributions of XXX% The Closing Disclosure reflects a seller credit in the amount of XXX with a Sales Price of XXX The maximum allowed calculation: XXX X XXX% = XXX The contributions exceed by XXX | This was provided within the data tape submitted to CA from XXX. The sales price delivered was XXX (contract price of XXX minus XXX (IPC)) and LTV/CLTV/HCLTV of XXX / XXX / XXX; We disagree with the finding. The qualifying purXXXX price was lowered by XXX and qualified with an LTV of 70.975% | 12/23/2025 | PP reduction due to excessive seller concessions, condition cleared.; File does not contain any documents reducing the purXXXX price by $XXX. ; No indication in file that the PurXXXX price was lowered by XXX and qualified with an LTV of 70.975%. Contract addendum show PurXXXX price was increased from XXX to XXX and giving borrower XXX Credit. | 12/30/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124305 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124301 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCOM3596 | Credit | Missing Prepayment Rider | Lender set an exception: "Prepayment Penalty does not contain a partial payment penalty provision as required" | What exactly are you looking for/requesting here? | 12/17/2025 | Lender exception in file. Cleared. | 12/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124301 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124290 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Acknowledged | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The lender guidelines require Housing payment history must be evidenced by XXX months proof of payment via cancelled checks, bank debits, or institutional VOR/VOM. Loan file does not contain the required cancelled checks, bank debits or VOM as required. No exception found in file for any of the REOS | Document Uploaded. See attached approved exception. | 12/18/2025 | Lender provided Lender Exception dated XXXX. This exception is for Use XXXX guidelines for verifying mortgage history via the credit report. Credit Report in file shows XXX months verified payments for all XXX REOs. Cleared. | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2124290 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2124307 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Acknowledged | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% As per the GLs, ITPC is XXX% | Document Uploaded. The loan file was delivered with an approved exception. | 12/17/2025 | ; Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%.; Lender provided Lender Exception form approved XXXX. Cleared. | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124307 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124307 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124300 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Acknowledged | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The lender guidelines required housing payment history to reflect XXX X XXX X XXX for all mortgages reported on the credit report for the most recent XXX months. Housing payment history must be evidenced by XXX months proof of payment via cancelled checks, bank debits, or institutional VOM. The credit report cannot be used to evidence the housing payment history. The borrower has XXX primary and XXX investment properties each with XXX mortgage. The loan file contained an email which reflected XXX other properties: XXX Jumbo, XXX Jumbo, XXX Jumbo, XXX Jumbo. It is unknown when these mortgages closed. The loan file was missing the housing payment history evidenced by XXX months proof of payment via cancelled checks, bank debits or institutional VOM. | Document Uploaded. We disagree with the finding. Loan was delivered with an approved exception to use the credit report for the housing payment history. | 12/17/2025 | ; Lender provided Lender Exception form approved XXXX. Cleared. | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124300 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Acknowledged | FCRE3841 | Credit | Missing Latest/Final Application Document | The loan file contained documentation reflecting the borrower was purchasing XXX other properties at the time of subject application. The following properties were not reflected on the loan application: XXX Jumbo, XXX Jumbo, XXX Jumbo, and XXX Jumbo. The lender's guidelines reflected the maximum aggregate unpaid principal balance of residential XXXX units properties is limited to $XXX. | Document Uploaded. Sorry, forgot the attachments. See attached final CDs from the closings of XXX Jumbo, XXX Jumbo, and XXX Jumbo. Aggregate UPB does not exceed $10M. ; See attached final CDs from the closings of XXX Jumbo, XXX Jumbo, and XXX Jumbo. Aggregate UPB does not exceed $XXX. | 12/19/2025 | Client provided Closing Statements for the additional properties showing UPB < XXX Cleared. | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124300 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124300 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124299 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124299 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124299 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124298 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Acknowledged | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The lender's guidelines require housing payment history to be evidenced by XXX months proof of payment via cancelled checks, bank debits or institutional VOR/VOM. A credit report cannot be used to evidence the housing payment history. The borrower has XXX properties with XXX mortgages. The loan file was missing the cancelled checks, bank debits or institutional VOR/VOM for the following mortgages: XXX #XXX, XXX #XXX and XXX #XXX. | Document Uploaded. Loan was delivered with an approved exception to use the credit report for the housing payment history. | 12/17/2025 | ; Lender Exception provided for using Credit Report for Mortgage History. Cleared. | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124298 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCRE1467 | Credit | Asset 1 Missing | Asset 1 Missing. Lender's guidelines require recent one-month's Statement. The loan application reflected an asset with XXX #XXX Checking with a balance of $XXX. The loan file did not contain the required one month Statement reflecting assets of $XXX. | Document Uploaded. This account was not used for qualifying, therefore Statements are not required. | 12/17/2025 | Rebuttal confirmed | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2124298 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2091069 | XXX | XXX | XXX | XXXX | $XXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/21/2025 | Resolved | 9635175995 | Property | Hazard Insurance Missing or Defective | Hazard Insurance Policy is MISSING MORTGAGEe clause after lender's name. Please provide updated Hazard Policy with ISAOA/ ATIMA verbiage. | XXXX HOI uploaded | 07/23/2025 | XXX: Hazard Policy number received | 07/23/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.05

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.05 - Schedule 3**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 2106758 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106664 | XXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2106666 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2106759 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106760 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106667 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106668 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2098438 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106761 | XXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2106671 | XXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2106762 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106763 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106672 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2098445 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106764 | XXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2098447 | XXX |  | $XXXXXX A | B | B | B | B | B A | B | B | B | B | B A |
| 2106674 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106765 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106675 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106681 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106773 | XXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2106776 | XXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2106777 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2098469 | XXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2106687 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106783 | XXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2106688 | XXX |  | $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 |
| 2108394 | XXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2106692 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106786 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106693 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2106787 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106694 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106695 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2106696 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106697 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106790 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106791 | XXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2106792 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106699 | XXX |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 2106700 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106702 | XXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2106704 | XXX |  | $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 |
| 2106705 | XXX |  | $XXXXXX 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 |
| 2106793 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106706 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2106707 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106796 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106797 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106708 | XXX |  | $XXXXXX B | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2106799 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106800 | XXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2106709 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106801 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106802 | XXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2106803 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106710 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2106711 | XXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2106712 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106807 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106808 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106713 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106714 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106809 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106810 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106716 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2106813 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106718 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2106719 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106815 | XXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2106720 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106817 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106818 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106820 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106722 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2106821 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106725 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106726 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106727 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106728 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106729 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106730 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106731 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106732 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106822 | XXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2106823 | XXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2106824 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106736 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106825 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106739 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106740 | XXX |  | $XXXXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| 2106743 | XXX |  | $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 |
| 2106744 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106745 | XXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2106746 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106747 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106748 | XXX |  | $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 |
| 2106749 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106827 | XXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2106750 | XXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 2106751 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106752 | XXX |  | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2106753 | XXX |  | $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 |
| 2106829 | XXX |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2106830 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106831 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2106755 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2106756 | XXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2109853 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2109851 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2109852 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2124306 | XXX |  | $XXXXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 2124309 | XXX |  | $XXXXXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 2124283 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2124279 | XXX |  | $XXXXXX C | B | B | B | B | B C | A | A | A | A | A B |
| 2124296 | XXX |  | $XXXXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 2124284 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2124280 | XXX |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 2124293 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124304 | XXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2124303 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124308 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2124287 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2124281 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 2124305 | XXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2124301 | XXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2124290 | XXX |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2124307 | XXX |  | $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 |
| 2124300 | XXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 2124299 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2124298 | XXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 2091069 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.05 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior PurXXXX Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2106758 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2106664 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106666 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 79.63 | 79.63 |  |  |  |  | $XXX | $XXX | .0642 | XXX |  |  |  |  |  | $XXX | $XXX | .0000 | 83.0 | 0.17 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0642 | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106759 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2106760 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106667 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2106668 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2098438 | XXX |  | XXXX | $XXXXXX |  | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2106761 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0450 | XXX |  |  |  |  |  | $XXX | $XXX | .0450 | 86.0 | 0.14 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 2106671 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 2106762 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.65 | 80.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106763 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106672 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2098445 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2106764 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0543 | XXX |  |  |  |  |  | $XXX | $XXX | .0543 | 87.0 | 0.13 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2098447 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106674 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2106765 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2106675 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2106681 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 2106773 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106776 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2106777 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2098469 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 68.13 | 68.13 |  |  |  |  | $XXX | $XXX | .0077 | XXX |  |  |  |  |  | $XXX | $XXX | .0077 | 95.0 | 0.05 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106687 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106783 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0245 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0245 | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106688 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2108394 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0269 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0269 | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106692 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106786 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2106693 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .1619 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1619 | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106787 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 69.98 | 69.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106694 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106695 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 77.9 | 77.9 |  |  |  |  | $XXX | $XXX | .0127 | XXX |  |  |  |  |  | $XXX | $XXX | .0127 | 90.0 | 0.1 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106696 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 70.0 | 70.0 | $XXX | $XXX | -.0085 | 1004 URAR |  |  |  |  | $XXX | $XXX | -.0085 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2106697 | XXX |  | XXXX | $XXXXXX |  | 0 | XXX | XXXX | 1004 URAR | XXX | 67.69 | 67.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106790 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 2106791 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2106792 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106699 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2106700 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106702 | XXX |  | XXXX | $XXXXXX |  | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106704 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 69.26 | 69.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106705 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 72.3 | 72.3 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .2663 | XXX |  |  |  |  |  | $XXX | $XXX | .0570 | 91.0 | 0.09 | XXX | XXX | XXXX | $XXX | $XXX | .0000 | XXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106793 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106706 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 21.16 | 21.16 |  |  |  |  | $XXX | $XXX | .1628 | XXX |  |  |  |  |  | $XXX | $XXX | .4224 | 80.0 | 0.2 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1628 | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106707 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 21.48 | 21.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2106796 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106797 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 2106708 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0538 | XXX |  |  |  |  |  | $XXX | $XXX | .0538 | 92.0 | 0.08 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106799 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106800 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1073 Individual Condo Report | XXX | 28.16 | 28.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106709 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 69.4 | 69.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106801 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2106802 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106803 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106710 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 74.86 | 74.86 |  |  |  |  | $XXX | $XXX | .0544 | XXX |  |  |  |  |  | $XXX | $XXX | .0544 | 92.0 | 0.08 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106711 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2106712 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106807 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106808 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2106713 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106714 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106809 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2106810 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106716 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .2222 | XXX |  |  |  |  |  | $XXX | $XXX | -.1832 | 83.0 | 0.17 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .2222 | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106813 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106718 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 52.54 | 52.54 |  |  |  |  | $XXX | $XXX | -.0133 | XXX |  |  |  |  |  | $XXX | $XXX | -.0133 | 91.0 | 0.09 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106719 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2106815 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1073 Individual Condo Report | XXX | 69.44 | 69.44 | $XXX | $XXX | -.1131 | 1073 Individual Condo Report |  |  |  |  | $XXX | $XXX | -.1131 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106720 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106817 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106818 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106820 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106722 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 58.53 | 58.53 |  |  |  |  | $XXX | $XXX | .1195 | XXX |  |  |  |  |  | $XXX | $XXX | .1195 | 96.0 | 0.04 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 2106821 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 49.2 | 49.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106725 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 64.98 | 64.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106726 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2106727 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 2106728 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 2106729 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2106730 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106731 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106732 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 68.5 | 68.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106822 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0133 | XXX |  |  |  |  |  | $XXX | $XXX | -.1753 | 87.0 | 0.13 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0133 | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106823 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | -.0400 | XXX |  |  |  |  |  | $XXX | $XXX | -.1392 | 76.0 | 0.24 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0400 | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2106824 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2106736 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 2106825 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106739 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 78.95 | 78.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106740 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1073 Individual Condo Report | XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106743 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106744 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106745 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2106746 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106747 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 73.6 | 73.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106748 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2106749 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2106827 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2106750 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 65.68 | 65.68 |  |  |  |  | $XXX | $XXX | -.0095 | XXX |  |  |  |  |  | $XXX | $XXX | -.0094 | 96.0 | 0.04 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2106751 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2106752 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0190 | XXX |  |  |  |  |  | $XXX | $XXX | .0190 | 95.0 | 0.05 | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2106753 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 65.64 | 65.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2106829 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 2106830 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2106831 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2106755 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 69.3 | 69.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2106756 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 66.67 | 66.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2109853 | XXX |  | XXXX | $XXXXXX |  | 0 | XXX | XXXX | 1073 Individual Condo Report | XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2109851 | XXX |  | XXXX | $XXXXXX |  | 0 | XXX | XXXX | 1004 URAR | XXX | 74.07 | 74.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2109852 | XXX |  | XXXX | $XXXXXX |  | 0 | XXX | XXXX | 1004 URAR | XXX | 55.0 | 55.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2124306 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2124309 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2124283 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2124279 | XXX |  | XXXX | $XXXXXX |  | 0 | XXX | XXXX | 1004 URAR | XXX | 32.27 | 32.27 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2124296 | XXX |  | XXXX | $XXXXXX |  | 0 | XXX | XXXX | 1004 URAR | XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2124284 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 74.5 | 74.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2124280 | XXX |  | XXXX | $XXXXXX |  | 0 | XXX | XXXX | 1004 URAR | XXX | 47.82 | 47.82 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2124293 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2124304 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2124303 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1073 Individual Condo Report | XXX | 73.68 | 73.68 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2124308 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2124287 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2124281 | XXX |  | XXXX | $XXXXXX |  | 0 | XXX | XXXX | 1004 URAR | XXX | 60.29 | 60.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2124305 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 70.98 | 70.98 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2124301 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2124290 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2124307 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2124300 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2124299 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 79.87 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2124298 | XXX |  | XXXX | $XXXXXX | XXX | 0 | XXX | XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2091069 | XXX |  | XXXX | $XXXXXX |  |  | XXX | XXXX | 1004 URAR | XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.05 - Schedule 5**

---

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| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **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)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **DSCR Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 2106758 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 2 | 2 | 0 | 3 | 4.30 | 27.93 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106664 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2050.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106666 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 7/1 or 7/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 3925.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106759 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | Yes | 117 | 1 | 2 | No | 0 | 0 | 1 | 3 | 16.15 | 35.94 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106760 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | 15.88 | 30.85 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106667 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2300.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106668 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2200.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2098438 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106761 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | 6.68 | 41.96 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106671 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX | XXX |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 2.35 | 16.96 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106762 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FHLMC | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 1 | 1 | 0 | 3 | 25.85 | 42.93 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106763 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FHLMC | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | Yes | 177 | 0 | 0 | No | 2 | 2 | 0 | 2 | 21.27 | 44.26 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106672 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2300.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2098445 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 3200.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106764 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 236 | 1 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 37.73 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2098447 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 82 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 34.07 | 47.17 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106674 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 117 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 14.00 | 44.30 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106765 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | 14.01 | 33.48 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106675 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2750.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106681 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 1900.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106773 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FHLMC | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | 12.63 | 32.17 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2106776 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 15.48 | 37.52 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106777 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FHLMC | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 37.47 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2098469 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 7/1 or 7/6 Mos ARM | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 9.13 | 40.35 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106687 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2500.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106783 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 0 | 3 | 11.31 | 25.17 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106688 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 1800.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2108394 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 3/1 or 3/6 Mos ARM FHLMC | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | Borrower Prepared | 12 | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 1 | 3 | 23.47 | 36.30 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106692 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXXX | 08/29/2025 | XXXX | XXXX | 41.71 | XXXX | XXX | Yes | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 1300.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106786 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 0 | 3 | 11.30 | 33.38 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106693 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 3200.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106787 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 0 | 3 | 31.88 | 34.70 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106694 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2200.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106695 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 4340.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106696 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2385.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106697 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 7.79 | 12.94 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106790 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 3/1 or 3/6 Mos ARM FNMA | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 2 | 2 | 7.82 | 32.88 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106791 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns | 5 - Stated, 2YRs Verified + CPA Letter | 3 - Stated, 3rd Party Verification | 3 - Stated, 3rd Party Verification | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 25 | 2 | 2 | No | 0 | 0 | 1 | 3 | 30.00 | 44.25 | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106792 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 0 | 3 | 14.89 | 27.24 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106699 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 21.35 | 41.18 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106700 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 3240.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106702 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 4.97 | 26.88 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106704 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 3400.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106705 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 6385.10 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106793 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 6 | 2 | 2 | No | 0 | 0 | 0 | 3 | 12.06 | 39.91 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2106706 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 7950.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106707 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 10000.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106796 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 3/1 or 3/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 118 | 2 | 2 | No | 0 | 0 | 0 | 3 | 7.71 | 37.79 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106797 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 72 | 2 | 0 | No | 0 | 0 | 0 | 3 | 25.13 | 28.91 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106708 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2650.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106799 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | 26.70 | 32.76 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106800 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 2 | 1 | 16.02 | 42.72 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXXX | 07/05/2025 | XXXX | XXXX | 0.00 | XXXX | XXX | Yes | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2106709 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | 27.89 | 42.44 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXXX | 11/25/2025 | XXXX | XXXX | 66.67 | XXXX | XXX | Yes | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106801 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 3/1 or 3/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 16.45 | 42.15 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXXX | 02/05/2025 | XXXX | XXXX | 283.42 | XXXX | XXX | Yes | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2106802 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 3/1 or 3/6 Mos ARM FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 26.72 | 41.59 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106803 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 9 | 2 | 1 | No | 1 | 1 | 0 | 3 | 29.10 | 41.94 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106710 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 3995.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106711 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2550.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106712 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 4300.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106807 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | 22.33 | 31.84 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106808 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 20.59 | 43.42 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106713 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 4800.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106714 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2200.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106809 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 3/1 or 3/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 48 | 0 | 0 | No | 0 | 0 | 0 | 3 | 9.67 | 35.07 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106810 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 1 | 1 | 27.80 | 41.04 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106716 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 5600.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106813 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 3/1 or 3/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 35 | 2 | 2 | No | 0 | 0 | 0 | 3 | 15.48 | 44.93 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106718 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 7904.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106719 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX | XXX | 4400.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106815 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 9.80 | 34.01 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2106720 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2070.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106817 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | 13.13 | 41.57 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106818 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 1 | 1 | 0 | 3 | 29.27 | 41.90 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106820 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 2 | 3 | 16.09 | 38.63 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106722 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 2425.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106821 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 1 | 3 | 0.98 | 4.81 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106725 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 17.88 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106726 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2800.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106727 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2870.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106728 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2800.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106729 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 1800.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106730 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2600.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106731 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 3500.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106732 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  | Yes |  | XXX | XXX | XXX | 3000.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106822 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 125 | 2 | 0 | No | 0 | 0 | 0 | 3 | 13.64 | 28.17 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXXX | 12/19/2025 | XXXX | XXXX | 288.75 | XXXX | XXX | Yes | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106823 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 29 | 2 | 0 | No | 0 | 0 | 0 | 3 | 13.64 | 28.17 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXXX | 12/19/2025 | XXXX | XXXX | 267.42 | XXXX | XXX | Yes | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106824 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 17.19 | 27.90 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106736 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2800.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106825 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 0 | 0 | 0 | 2 | 6.95 | 38.04 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106739 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 1.18 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106740 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2800.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2106743 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 6100.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106744 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2800.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106745 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 4000.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2106746 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2610.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106747 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 4200.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106748 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 4400.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106749 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 3/1 or 3/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | 9.81 | 18.48 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106827 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 19.64 | 35.05 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXXX | 03/10/2026 | XXXX | XXXX | 71.75 | XXXX | XXX | Yes | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106750 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | XXX |  |  | Yes | No | 134 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 3.74 | 7.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106751 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2300.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106752 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | XXX |  |  | Yes | No | 83 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | 17.26 | 25.86 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXXX | 03/18/2026 | XXXX | XXXX | 84.86 | XXXX | XXX | Yes | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106753 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2200.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106829 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM FNMA | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 5 - Stated, 2YRs Verified + CPA Letter | 5 - Stated, 2YRs Verified + CPA Letter | 3 - Stated, 3rd Party Verification | 3 - Stated, 3rd Party Verification | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | 28.22 | 42.31 | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106830 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed FNMA | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 43 | 2 | 0 | No | 0 | 0 | 0 | 1 | 27.20 | 44.71 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106831 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 17 | 2 | 2 | No | 0 | 0 | 0 | 3 | 6.91 | 32.12 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106755 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2700.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2106756 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 5.95 | 15.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2109853 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | Yes | 3 | Personal | 100.00 | 3 |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2109851 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX | Borrower Prepared | 9 | Yes | No | 60 | Yes | 25 | 1 | 0 | No | 1 | 1 | 0 | 3 | 28.52 | 31.10 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2109852 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | Yes | No |  |  |  |  |  |  | XXX |  | Borrower Prepared | 9 | Yes | No | 29 | Yes | 48 | 0 | 0 | No | 2 | 2 | 0 | 2 | 42.86 | 45.71 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124306 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2400.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2124309 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 56 | 1 | 0 | No | 1 | 1 | 0 | 3 | 28.70 | 51.65 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124283 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 96 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | 21.90 | 48.09 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124279 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX |  |  |  | Yes | No | 72 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 5.62 | 5.89 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124296 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 1500.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124284 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 314 | 2 | 0 | No | 0 | 0 | 0 | 2 | 20.71 | 44.81 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124280 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | 15.60 | 27.89 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124293 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXXX | 11/07/2026 | XXXX | XXXX | 103.63 | XXXX | XXX | Yes | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2000.00 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124304 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 5000.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124303 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2100.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2124308 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | 28 | Yes | 48 | 0 | 2 | No | 2 | 2 | 0 | 2 | 33.04 | 54.37 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124287 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX | Borrower Prepared | 9 | Yes | No | 12 | No | 0 | 0 | 0 | No | 1 | 1 | 2 | 3 | 41.96 | 49.82 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124281 | XXX | XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  | XXX |  |  | Yes | Yes | 71 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | 44.34 | 45.65 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124305 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXXX | 11/12/2026 | XXXX | XXXX | 249.67 | XXXX | XXX | Yes | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2900.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124301 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 1875.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124290 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | No | 24 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 29.42 | 47.17 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124307 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 1650.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124300 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 2300.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124299 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 3000.00 | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2124298 | XXX | XXXX | ATR/QM: Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  | XXX | XXXX | XXXX | XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | 1905.00 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2091069 |  | XXXX | ATR/QM Exempt | XXX | XXX | XXXX | XXX | XXXX |  | XXX | Approved |  |  | XXXX | XXXX | XXXX | Complete | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXX | XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | 1200.00 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06**

![](ex9906001.jpg)

Executive Summary <br> EFMT 2026-NQM3

&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 one Seller and acquired directly (or indirectly) by Ellington Management Group, LLC through a Reliance Letter. The loan review was conducted in June 2025.

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

There is 1 asset in the loan population.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Review Process.

The post-closing loan review was graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Third-Party Due- Diligence Criteria and Representations & Warranties for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Criteria dated October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US RMBS Rating Methodology, dated December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US Residential Mortgage-backed Securitizations, dated August 20, 2025 |
| &nbsp;&nbsp;S&P Global, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019 <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025  |

---

The post-closing review 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.

Page 1 of 8

The due diligence review was conducted on 100% of the loan population and consisted of 1 mortgage loan with an aggregate original principal balance of approximately $1,050,000. The mortgage loan originated in May 2025 by one correspondent Seller.

&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**

**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).

Page 2 of 8

**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.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines and debt to service coverage 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 ARR or CDA 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.

For loans that did not maintain an acceptable enhanced desk review product, CRES ordered an Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) from various Appraisal Management Companies for valuation support. All loans outside of a 10% variance from the original appraised value were identified and communicated to the Client.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

Page 3 of 8

**Compliance Review Methodology**

All loans in this pool are classified as "business purpose". In such cases 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).

Compliance testing was limited to:

● A review of the Note and Mortgage for accuracy.

● Review of Occupancy and Business Purpose Certifications

● State and Federal High Cost and Higher-Priced

● Cook County High-Cost Ordinance

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. All the loans in this pool were classified as Not Covered/Exempt: Loans that are not covered by the rule.

*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;1 | &nbsp;&nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |

---

**Document Review** 

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

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Appraisal. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Asset documentation. <br> ● Business Purpose Certification (if applicable)  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Changed circumstance documentation. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Credit report. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● FACTA disclosures. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Final 1003. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Final HUD-1/Closing Disclosure(s). |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Hazard and/or flood insurance policies. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● HUD from sale of previous residence. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Homeownership counseling organizations disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Income and employment documentation. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Initial and final GFE's. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Initial application (1003). |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Initial escrow disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Initial TIL. <br> ● Leases  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Loan Estimate(s). <br>|

---

Page 4 of 8

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

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Market Rent supporting documentation |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Mortgage Insurance. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Mortgage/Deed of Trust. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Note. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Notice of Special Flood Hazards. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Sales contract. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Tangible Net Benefit Disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Title/Preliminary Title. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● 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;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;LTV | &nbsp;&nbsp;P&I Payment | QM Type\* |

---

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 1 mortgage loan reviewed, one unique mortgage loan had a tape discrepancy across the 20 data fields. 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.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp; **Total** |
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Loan Term** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Note Date\*** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

Page 5 of 8

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |

---

&nbsp;&nbsp;&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 "A".

---

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

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number have a Compliance grade of "A".

---

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

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "A.

---

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

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an overall grade of "A".

---

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

---

Page 6 of 8

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Second Home** | 0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Rate Term Refi** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Condo** | 0 | 0.00% |
| &nbsp;&nbsp;**2-4 Family** | 0 | 0.00% |
| &nbsp;&nbsp;**Commercial** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Mixed Use** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 1 | 100.00% |
| &nbsp;&nbsp;**50%-60.00%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **1** | **100.00%** |

---

Page 7 of 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**60%-69.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**70%-79.99%** | 1 | 100.00% |
| &nbsp;&nbsp;**80%-89.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **CA** | 1 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

Page 8 of 8

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 1**

![](covius-logo.jpg)

 **ATR QM Data Fields**

Loans in Report: 1

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXXXX | 2091188 | Not covered/exempt | No | No |
| **1** |  |  |  |  |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 2**

**Rating Agency Exceptions Report: 2/10/2026**

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **DBRS** | **Fitch** | **Moody's** | **S&P** | **Grade** |
| XXXXXXXXXXX | 2091188 | XXXXXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 43.34 |  | 764 | 75.00% | XXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | A |  |
| **1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 3**

**Rating Agency Grades: 2/10/2026**

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXXXX | 2091188 | XXXXXXXXXX A |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXXXX | 2091188 | XXXXXXXXXXX | XXXXXXXXXXX | Property City | Yes | Yes |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.06 - Schedule 5**

**ValuationReport**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **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** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **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** |
| XXXXXXXXXX | 2091188 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.7 Fannie Mae | XX/XX/XXXX |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07**

**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, Ellington Management Group, LLC ("Client"). The review included a total of 465 originated residential mortgage loan, in connection with the securitization identified as EFMT 2026-NQM3 (the "Securitization"). The review began on March 23, 2022 and concluded on February 24, 2026.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT
 REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete,
 Signed, Dated, on or before loan consummation date,

2. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions
 have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of DSCR or qualification method and LTV calculations

3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy
 Red Flags adequately addressed

4. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable
 credit history and credit score requirements in conformance with Goldman's guidelines.

5. <u>Order and Reviews Risk IQ Report (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Identifies
 bankruptcy filings with the Borrower(s) name.

6. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease
 agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate
 borrowers monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 DSCR Calculation of rent per lease or comparable rent schedule from appraisal divided
 by the subject total PITIA payment – DSCR If Lease and comparable rent payments
 differ Digital Risk will refer to the client guidelines for further guidance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DSCR and any required upfront premium is paid

9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

10. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation
 Review

1. <u>Review Appraisal</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk'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. Digital
 Risk's review included verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, or if the appraisal was
 performed for another lender, the file contains evidence that Client approved use of
 that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the closing
 of the loan. Any revisions, if made known to Digital Risk, to the original report are
 documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file, but notes a variance
 above 10% or an inconclusive value, Digital Risk will review third-party products in
 the file to ensure the correct value was applied per Client Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, Digital Risk's review will (a) 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; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
aspects of Digital Risk's review include (i) verifying that the address matched the mortgage note, (ii) if requested, noting
whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes the
current use of the property is legal or legal non-conforming (grandfathered), (v) 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 if there are negative external factors, there is support in the loan file of the Client's
approval to waive the factor; and (vi)

confirming that the value product that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work 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 Digital
 Risk's review result in a variance of more than 10% then the Client will be notified
 of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were documented
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, Digital Risk will access 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.

&nbsp;&nbsp;&nbsp;&nbsp;C. Compliance
 Review

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

1. Federal
 Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

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

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

2. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

3. Business
 Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner
 Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 application address is different from subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verify
 executed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Letter (must state that borrower(s) will not reside in the property for more than 14
 days on any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA
 section (Information for Government Monitoring Purposes) of the application (initial
 and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If
 property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right
 to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter
 of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's
 statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State
 License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State
 Predatory lending and high cost when applicable

4. <u>Exclusions</u>.
 Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

&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. 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, excluding investment
 properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 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.<br> Part 36 et seq.); 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;iv. Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&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. Digital
 Risk will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
 from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM
 rule requirements and assigns a due diligence mortgage loan designation. Generally, Digital
 Risk notes as a material exception if the due diligence findings do not confirm the originator's
 mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage
 loan designation was not 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;c. Digital
 Risk utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

&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. With
 respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Digital Risk
 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.

&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. If
 a mortgage loan was designated as QM, Digital Risk 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.

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

&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. For
each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Digital Risk then determines
whether the mortgage loan complies with the ATR rule consideration and verification requirements, as defined within the applicable
underwriting guidelines, and provides a due diligence designation of Non-QM

indicating compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&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. Digital
 Risk 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 will verify such information using reasonably reliable third- party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt- to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the 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;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&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. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; 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;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

&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. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; 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;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

&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. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; 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;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consider
 Income and Assets:

○ Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing
 Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT
 REVIEW.

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Initial & Final Application</u> 

&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. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&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. Validate
 Social Security/Taxpayer Identification number is valid

&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. Compare
 data on final form 1003 with the data from verifications

&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. Form
 is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Review AUS Decision and Approval Conditions</u> 

&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. Accept/Eligible
 decision

&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. AUS
data integrity

&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. Underwriting
 decision is supported (AUS or manual underwrite credit conditions have been satisfied
 prior to closing the approved Loan package)

&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. Validation
 of income 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;e. Validation
 of assets/funds 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;f. Validation
 of DTI 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;g. Validation
 of LTV 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;h. Reconcile
 AUS mismatches

&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. Validation
 of payment shock calculations 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;j. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</u> 

&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. Occupancy
 is supported

&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. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</u> 

&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. Validate
 names, social security number(s), and addresses

&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. AKA's
 investigated and cleared

&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. Validate
 credit inquiries within 90 days have been properly addressed

&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. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. The
 Reverifications within this section are intended to meet the Client Guidelines, Additional
 Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</u> 

&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. Validates
 Social Security number and year issued

&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. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&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. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Verification of Borrower Employment, Income, and Asset Information</u> 

&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. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Compare
 for conflicting 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&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. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 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;ii. W-2s and 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;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents
as required by the Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Consistent/Continuing Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The Reverifications within this section are intended
to meet the Agency Guidelines for post- closing
quality control reverifications. (If needed)

&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. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment
and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Gift funds verified and met Client Guidelines or Additional
Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 Reverifications within this section are intended
to meet the Client or Agency Guidelines for post- closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Sales Contract</u> 

&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. Complete
 and executed

&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. Earnest
 Money Deposit verified

&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. Parties
 are consistent

&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. Seller
 contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</u> 

&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
 sufficient coverage

&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
 coverage is for subject

&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. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Mortgage Insurance (if applicable)</u> 

&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. Certificate
 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;b. Sufficient
 Coverage

&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. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Review Title Commitment/Policy</u> 

&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. Vesting
 correct

&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. Lien
 position

&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. Legal
 description

&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. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Review Closing Documents</u> 

&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
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

&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. Correct
 and complete instruments

&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. 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;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

&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. 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, excluding investment
 properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 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<br> C.F.R.

Part 36 et seq.); 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;iv. Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&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. Digital
 Risk will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
 from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM
 rule requirements and assigns a due diligence mortgage loan designation. Generally, Digital
 Risk notes as a material exception if the due diligence findings do not confirm the originator's
 mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage
 loan designation was not 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;c. Digital
 Risk utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

&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. With
 respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Digital Risk
 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.

&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. If
 a mortgage loan was designated as QM, Digital Risk 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.

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

&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. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Digital Risk then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&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. Digital
 Risk 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 will verify such information using reasonably reliable third- party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
/ Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required to close and required reserves, to
Confirm that the borrower has current or reasonably expected income or assets (other than the value of the property that secures
the Loan) that the borrower

will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt- to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the 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;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&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. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; 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;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

&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. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; 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;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

&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. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; 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;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consider
 Income and Assets:

○ Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing
 Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk'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. Digital
 Risk's review included verifying the appraisal report.

&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. On
 the appropriate GSE 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;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Ensure
 all applicable Loan documents match appraisal 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 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, or if the appraisal was performed for another lender, the file contains a transfer letter from the original 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;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to Digital Risk, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file, but notes a variance
 above 10% or an inconclusive value, Digital Risk will recommend a BPO or field review
 be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. With
 regard to the use of comparable properties, Digital Risk's review will (a) 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; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Other
 aspects of Digital Risk's review include (a) verifying that the address matched
 the mortgage note, (b) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (c) confirming
 the appraisal report does not include any apparent environmental problems, (d) confirming
 the appraisal notes the current use of the property is legal or legal non-conforming
 (grandfathered), (e) reviewing pictures to ensure (1) that the property is in average
 or better condition and any repairs are noted where required and (2) that the subject
 property is the one for which the valuation was ordered and that there are no negative
 external factors; and (f) confirming that the value product that was used as part of
 the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work 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 Digital
 Risk's review result in a variance of more than 10% then the client will be notified
 of such variance.

&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. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review 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.

&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. In
addition, Digital Risk will access 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. COMPLIANCE
 REVIEW.

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk 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 Industry Group (the "SFIG Compliance Review Scope") and

(ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Digital Risk 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 Digital Risk 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.

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

&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
 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

&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. 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.

&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. 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
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

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

&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. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

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

&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
 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. 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. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&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. Failure
 to provide the right of rescission notice;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&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. failure
 to provide the correct form of right of rescission notice;

&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. failure
 to provide the three (3) business day rescission period; 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;f. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <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. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <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> "),
 and (iii) 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 threshold 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; 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;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. APR
 threshold test; 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;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§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;&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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Review
 relevant document to determine if there was dual compensation; 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;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

● ● Note: Where available, Digital Risk 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, Digital Risk's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>RESPA:</u> 

&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. <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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>:
 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Timing
 of creditor providing a copy of each appraisal or other written valuation; 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;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</u> 

&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. Texas:

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

&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. Fed/State/Local
 Predatory Lending:

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

&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. Prepay
 Penalties and Late 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;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>.
 Digital Risk will not 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;a. Loan
 types that are excluded from compliance with 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;b. Technical
 formatting 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;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 465 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;31 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.94% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.15% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;195 | &nbsp;&nbsp;41.94% |
| &nbsp;&nbsp;First Payment Due Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;3.44% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;15 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Original Qualifying FICO Score | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;3.66% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;50 | &nbsp;&nbsp;10.75% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.00% |
| &nbsp;&nbsp;Subject Zipcode | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.00% |
| &nbsp;&nbsp;The Original Principal and Interest Payment Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.86% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;288 | &nbsp;&nbsp;$90881703.00 | &nbsp;&nbsp;61.94% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;176 | &nbsp;&nbsp;$74233105.00 | &nbsp;&nbsp;37.85% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;1 | &nbsp;&nbsp;$636300.00 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;465 | &nbsp;&nbsp;$165751108.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;360 | &nbsp;&nbsp;$116268408.00 | &nbsp;&nbsp;77.42% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;105 | &nbsp;&nbsp;$49482700.00 | &nbsp;&nbsp;22.58% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;465 | &nbsp;&nbsp;$165751108.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;369 | &nbsp;&nbsp;$128851727.00 | &nbsp;&nbsp;79.35% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;95 | &nbsp;&nbsp;$36263081.00 | &nbsp;&nbsp;20.43% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;1 | &nbsp;&nbsp;$636300.00 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;465 | &nbsp;&nbsp;$165751108.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;464 | &nbsp;&nbsp;$165021108.00 | &nbsp;&nbsp;99.78% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$730000.00 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;465 | &nbsp;&nbsp;$165751108.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan complies 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 complies with all material applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. 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 valuation methodology does not meet applicable published guidelines for the program.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value.<br>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.<br>|
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 1**

---

| |
|:---|
| EFMT 2026-NQM3 Rebuttal Findings_Redacted |
| Seller: |
| Deal ID: |
| Total Loan Count: 465 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population | Trade Summary | Trade Summary | Trade Summary |
| Loan Grade | Count | Percentage | Loan Status | Count | Percentage |
| 1 | 288 | 61.94% | Review Complete | 463 | 99.57% |
| 2 | 176 | 37.85% | In Rebuttal | 2 | 0.43% |
| 3 | 1 | 0.22% |  |  |  |
| ![](pie-chart1.jpg) | ![](pie-chart1.jpg) | ![](pie-chart1.jpg) | ![](pie-chart2.jpg) | ![](pie-chart2.jpg) | ![](pie-chart2.jpg) |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| |  |  |  | Finding Status | Finding Status | Finding Status | Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |  |  |  |
| Initial Findings Grade | Count | Rebuttal Received | Responses Given | Open | Resolved | UpHeld | Void | 3 | 4 | 2 | 1 |  |  |  |
| 3 | 526 | 516 | 526 | 1 | 455 | 0 | 0 | 1 | 0 | 81 | 444 |  |  |  |
| 4 | 5 | 5 | 5 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 5 |  |  |  |
| 2 | 302 | 129 | 129 | 1 | 129 | 0 | 0 | 0 | 0 | 174 | 128 |  |  |  |
| 1 | 910 | 12 | 12 | 847 | 1 | 0 | 12 | 0 | 0 | 0 | 910 |  |  |  |
|  |  |  |  |  |  |  |  |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Count | 3 | 4 | 2 | 3 | 4 | 2 |
| Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | 377 | 147 | 1 | 229 | 1 | 0 | 114 |
| Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | 163 | 27 | 0 | 136 | 0 | 0 | 13 |
| HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | 21 | 0 | 0 | 21 | 0 | 0 | 16 |
| Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | 19 | 19 | 0 | 0 | 0 | 0 | 0 |
| State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | 18 | 0 | 0 | 18 | 0 | 0 | 18 |
| Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | 18 | 18 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | 17 | 0 | 0 | 17 | 0 | 0 | 17 |
| TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | 13 | 0 | 0 | 13 | 0 | 0 | 13 |
| TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 11 | 11 | 0 | 0 | 0 | 0 | 1 |
| TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | 9 | 9 | 0 | 0 | 0 | 0 | 7 |
| Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | 8 | 8 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | 7 | 6 | 0 | 1 | 0 | 0 | 3 |
| Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | 6 | 1 | 0 | 5 | 0 | 0 | 5 |
| TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | 4 | 4 | 0 | 0 | 0 | 0 | 1 |
| State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | 4 | 0 | 0 | 4 | 0 | 0 | 4 |
| Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | 3 | 1 | 0 | 2 | 0 | 0 | 2 |
| FACTA Disclosure - Missing | FACTA Disclosure - Missing | FACTA Disclosure - Missing | FACTA Disclosure - Missing | FACTA Disclosure - Missing | FACTA Disclosure - Missing | FACTA Disclosure - Missing | FACTA Disclosure - Missing | 3 | 0 | 0 | 3 | 0 | 0 | 3 |
| Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | HUD1 - Incomplete | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | Federal - HOEPA (High Cost)/Points & Fees | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | 1 | 1 | 0 | 0 | 1 | 0 | 0 |
| HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | QM - Rebuttable Presumption | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Federal - HOEPA (High Cost)/Financed Points & Fees | Federal - HOEPA (High Cost)/Financed Points & Fees | Federal - HOEPA (High Cost)/Financed Points & Fees | Federal - HOEPA (High Cost)/Financed Points & Fees | Federal - HOEPA (High Cost)/Financed Points & Fees | Federal - HOEPA (High Cost)/Financed Points & Fees | Federal - HOEPA (High Cost)/Financed Points & Fees | Federal - HOEPA (High Cost)/Financed Points & Fees | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| State Testing - Texas High Cost & Antipredatory Lending/Points and Fees | State Testing - Texas High Cost & Antipredatory Lending/Points and Fees | State Testing - Texas High Cost & Antipredatory Lending/Points and Fees | State Testing - Texas High Cost & Antipredatory Lending/Points and Fees | State Testing - Texas High Cost & Antipredatory Lending/Points and Fees | State Testing - Texas High Cost & Antipredatory Lending/Points and Fees | State Testing - Texas High Cost & Antipredatory Lending/Points and Fees | State Testing - Texas High Cost & Antipredatory Lending/Points and Fees | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial LE/Delivery Date (prior to consummation) | TRID - Initial LE/Delivery Date (prior to consummation) | TRID - Initial LE/Delivery Date (prior to consummation) | TRID - Initial LE/Delivery Date (prior to consummation) | TRID - Initial LE/Delivery Date (prior to consummation) | TRID - Initial LE/Delivery Date (prior to consummation) | TRID - Initial LE/Delivery Date (prior to consummation) | TRID - Initial LE/Delivery Date (prior to consummation) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| State & Local Predatory Lending | State & Local Predatory Lending | State & Local Predatory Lending | State & Local Predatory Lending | State & Local Predatory Lending | State & Local Predatory Lending | State & Local Predatory Lending | State & Local Predatory Lending | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit | Credit | Credit | Credit | Credit | Credit | Credit | Credit | 443 | 366 | 4 | 73 | 0 | 0 | 140 |
| DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | 87 | 51 | 0 | 36 | 0 | 0 | 51 |
| Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | 71 | 42 | 0 | 29 | 0 | 0 | 48 |
| Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | 39 | 39 | 0 | 0 | 0 | 0 | 0 |
| Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | 23 | 23 | 0 | 0 | 0 | 0 | 0 |
| DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | 23 | 23 | 0 | 0 | 0 | 0 | 0 |
| Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | 18 | 18 | 0 | 0 | 0 | 0 | 0 |
| DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | 16 | 16 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | 11 | 11 | 0 | 0 | 0 | 0 | 8 |
| Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | 10 | 9 | 0 | 1 | 0 | 0 | 3 |
| Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | 9 | 9 | 0 | 0 | 0 | 0 | 0 |
| Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | 8 | 8 | 0 | 0 | 0 | 0 | 0 |
| Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | 8 | 8 | 0 | 0 | 0 | 0 | 1 |
| Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | 6 | 6 | 0 | 0 | 0 | 0 | 1 |
| Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | 6 | 5 | 0 | 1 | 0 | 0 | 2 |
| Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | 6 | 5 | 0 | 1 | 0 | 0 | 1 |
| Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | 5 | 5 | 0 | 0 | 0 | 0 | 2 |
| Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | 4 | 4 | 0 | 0 | 0 | 0 | 2 |
| Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | 4 | 3 | 1 | 0 | 0 | 0 | 0 |
| Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | 4 | 3 | 0 | 1 | 0 | 0 | 2 |
| Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | 3 | 3 | 0 | 0 | 0 | 0 | 3 |
| Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | 2 | 1 | 0 | 1 | 0 | 0 | 1 |
| DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Assets - Authorization | Assets - Authorization | Assets - Authorization | Assets - Authorization | Assets - Authorization | Assets - Authorization | Assets - Authorization | Assets - Authorization | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | Ineligible Property Type - 5+ Units | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | 2 | 1 | 0 | 1 | 0 | 0 | 1 |
| Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | Assets - Investment Property Reserves | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Flood Certificate - Incorrect | Flood Certificate - Incorrect | Flood Certificate - Incorrect | Flood Certificate - Incorrect | Flood Certificate - Incorrect | Flood Certificate - Incorrect | Flood Certificate - Incorrect | Flood Certificate - Incorrect | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | Power of Attorney | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | Title Commitment - Deficiencies | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | Borrower - (EAD) Risk Category | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | Program Parameters - Cash-Out Amount | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Borrower - Ineligible borrower | Borrower - Ineligible borrower | Borrower - Ineligible borrower | Borrower - Ineligible borrower | Borrower - Ineligible borrower | Borrower - Ineligible borrower | Borrower - Ineligible borrower | Borrower - Ineligible borrower | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Contract - Missing Signature(s) | Contract - Missing Signature(s) | Contract - Missing Signature(s) | Contract - Missing Signature(s) | Contract - Missing Signature(s) | Contract - Missing Signature(s) | Contract - Missing Signature(s) | Contract - Missing Signature(s) | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Hazard Insurance deductible over allowed 5% of coverage amount. | Hazard Insurance deductible over allowed 5% of coverage amount. | Hazard Insurance deductible over allowed 5% of coverage amount. | Hazard Insurance deductible over allowed 5% of coverage amount. | Hazard Insurance deductible over allowed 5% of coverage amount. | Hazard Insurance deductible over allowed 5% of coverage amount. | Hazard Insurance deductible over allowed 5% of coverage amount. | Hazard Insurance deductible over allowed 5% of coverage amount. | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | Program Parameters - Loan Purpose | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | Interested Party Contribution - Exceeds | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | HELOC - Closure Letter | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | Verification Documentation - VOE/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | Program Parameters - Financed Properties | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Occupancy | Program Parameters - Occupancy | Program Parameters - Occupancy | Program Parameters - Occupancy | Program Parameters - Occupancy | Program Parameters - Occupancy | Program Parameters - Occupancy | Program Parameters - Occupancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | Program Parameters - DTI | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | Appraisal - Aged > 120 days | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | 13 | 13 | 0 | 0 | 0 | 0 | 1 |
| Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | 13 | 13 | 0 | 0 | 0 | 0 | 1 |

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![](bar-chart.jpg)

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 2098719 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098719 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy does not reflect coverage for all other perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> There is nothing wrong with the insurance, all other perils are covered and the insurance is acceptable. please contact XXXX directly indicating what is not covered if you do not agree with out findings<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Exception Request<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> processor cert.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Awaiting Investor response. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Exception must be granted by Investor. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098719 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098720 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2098720 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The final closing disclosure reflected seller paid $XXXX in borrower's closing cost. The contract reflected an amount of $XXXX. An undated addendum supporting the higher contributions was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Seller credit amendment<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098720 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan was a purchase of a XXXX unit non-owner occupied property with a mid XXXX and LTV of XXXX%. The loan file did not contain documentation to support which of the investor's programs loan was underwritten to. The guidelines reflected XXXX programs that the loan could possibly be underwritten to; however, for the Expanded Prime Plus program, borrower's credit score is below the minimum XXXX required and for the Sharp Program borrower's LTV of XXXX% exceeds the maximum allowed for a non owner occupied purchase with a XXXX. Subject does not meet the minimum score requirements for XXXX% per the lenders guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached is the XXXX lock confirmation to confirm how it was locked.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Here is the lock confirmation<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> XXXX Matrix was used.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Loack acknowledged. The loan does not meet product guidelines. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098720 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096203 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096203 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Investment Property Reserves | XXXX | The loan file does not contain verified asset documentation except cash back from the loan transaction verified to be a total of $XXXX. The loan file requires XXXX months reserves which totals $XXXX. The loan file is short $XXXX in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Bank statements attached. Please note this is a cash-out refinance and the FICO score is > XXXX, therefore, cash out proceeds can be used for XXXX% of the reserves. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096203 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | The loan file is missing a completed condo questionnaire as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Questionnaire is attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2096203 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The subject loan was delivered as a XXXX% LTV rate and term refinance of an investment property condominium with a XXXX. Investor guidelines reflect a maximum LTV of XXXX% for this transaction; however, documentation in file indicates the subject condo project in non-warrantable which requires a XXXX% LTV reduction to XXXX%. In addition, The appraisal indicates the subject is occupied by a tenant, however photos clearly indicate tenant is not currently residing in the unit and is in the process of moving, which would require an additional XXXX% LTV reduction for a vacant property refinance to XXXX%. If the unit is considered occupied, then investor guidelines require a lease to be provided and the loan file is missing a fully executed acceptable lease. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception is attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2096203 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | AVM provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093618 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093618 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing a copy of the creditreport. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Credit report is in file. Report date XX/XX/XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093618 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. The loan file is missing the flood certificates for the properties located at XXXXXXX XXXX. It should be noted that flood insurance policies are present in the file for both properties and the appraisals reflect the flood zone for both properties to be AE. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Disagree with Defect – We have the Appraisal that states the properties in question are in a flood zone and we have the flood insurance policies. Please review and advise.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Flood policies for XXXX and XXXX 3 (XX/XX/XXXX XX:XXAM)<br> Flood Cert for both properties is attached. Please review and advise.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> A Flood Cert is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Actual Flood Cert's for the XXXX referenced properties are required. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093618 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current flood insurance policy on the property located at XXXX. The flood cert in the loan file indicates the flood zone is AE. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Disagree with Defect – Flood Insurance provided. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The $XXXX flood coverage requirement is missing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2093618 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained XXXX which supported the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2099754 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2099754 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2099754 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2099748 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2099748 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2099748 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2099755 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX% . The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2099755 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2099755 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120580 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Prepayment Penalty Addendum to the Note. Per Closing Documents the loan closed with an applicable Prepayment Penalty: however, the loan file did not contain the Prepayment Penalty Addendum. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX Prepay <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2120580 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2120580 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120580 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120581 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120581 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The maximum LTV for a cash-out refinance with a qualifying XXXX and a loan amount of $XXXX is XXXX%. If cash received at closing exceeds XXXX% of the loan amount, the loan is deemed a cash-out refinance. XXXX% of $XXXX = $XXXX. The final closing disclosure reflected that the borrower received $XXXX in cash funds at closing, making the subject loan a cash-out transaction. The subject loan closed with an LTV of XXXX%, which exceeds the maximum allowed for a cash-out refinance. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PCCD provided with principle reduction.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> PCCD was provided with reduction to offset $XXXX overage in cash back to borrower. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120581 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121247 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument and Assignment of Rents were not fully executed by all required parties. The Member for XXXX signature was missing for the Entity and guarantor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached executed documents. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121247 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guidelines require a minimum Property Value of individual properties in a portfolio loan be at least $XXXX. The subject property located at XXXX is valued at only $XXXX and does not meet the minimum requirement. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is the exact same policy previously used and cleared for all other portfolio loans sold to XXXX for this borrower Deductible amounts - These are part of a master policy and the property values are low. Makes sense to slightly exceed the XXXX% deductible amount. Minimum property value - this was cleared by XXXX pre-close Regarding market vs actual rent and income confirmation: Actual rent was lower than market rent. We do not need lease verification if the actual rent is lower than market rent. Only if actual rent is higher than market rent within 10% and is used. We are capped lower than market rent on each property in the portfolio.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception approval attached. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide Investor exception. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waived per investor based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX, XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121247 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The guidelines indicate that for leased properties, the rental income must be validated with a Lease Agreement and the verification of at least XXXX month's collected rent. The subject consists of XXXX properties, each are occupied by a tenant and a lease agreement is present in the loan file for each; however, evidence of XXXX month's collected rent as required is not present in the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is the exact same policy previously used and cleared for all other portfolio loans sold to XXXX for this borrower Deductible amounts - These are part of a master policy and the property values are low. Makes sense to slightly exceed the XXXX% deductible amount. Minimum property value - this was cleared by XXXX pre-close Regarding market vs actual rent and income confirmation: Actual rent was lower than market rent. We do not need lease verification if the actual rent is lower than market rent. Only if actual rent is higher than market rent within 10% and is used. We are capped lower than market rent on each property in the portfolio.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception approval attached. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> One month of documented rent is an Investor requirement. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waived per investor based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX, XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121247 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. Guidelines require a loan application for each entity owner. The loan file does not contain an application for any member. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> final application attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121247 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> all perils conformation attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121247 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed XXXX% of coverage amount. The evidence of insurance for the property located at XXXX reflects a $XXXX deductible which is the equivalent of XXXX% of the dwelling coverage in the amount of $XXXX. The evidence of insurance for the property located at XXXX reflects a $XXXX deductible which is the equivalent of XXXX% of the dwelling coverage in the amount of $XXXX. The evidence of insurance for the property located at XXXX reflects a $XXXX deductible which is the equivalent of XXXX% of the dwelling coverage in the amount of $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is the exact same policy previously used and cleared for all other portfolio loans sold to XXXX for this borrower Deductible amounts - These are part of a master policy and the property values are low. Makes sense to slightly exceed the XXXX% deductible amount. Minimum property value - this was cleared by XXXX pre-close Regarding market vs actual rent and income confirmation: Actual rent was lower than market rent. We do not need lease verification if the actual rent is lower than market rent. Only if actual rent is higher than market rent within 10% and is used. We are capped lower than market rent on each property in the portfolio.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception approval attached. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> As stated, the higher percentage is due to the lower loan amounts. This is acknowledged. Please provide waiver from the Investor, as this is their requirement. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waived per investor based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX, XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121247 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No value supporting documentation was present in the loan file for the properties located at XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CVA attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing CDA for XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121246 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121246 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121246 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The investor guidelines required a Certificate of Good Standing for the borrowing entity, XXXX dated within XXXX days of the Note date. The Certificate of Good Standing was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121246 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Loan Application for both Guarantors XXXX and XXXX, were not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed final app attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121246 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> commitment attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121246 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121248 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121248 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> title commitment has been uploaded. attached here as well. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> please see attached Deed. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding.The Title Commitment provided reflects vesting in the name of XXXX. Please provide thewarranty deed or quit claim deed showing the transfer of vesting from theXXXX to the borrower, XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121248 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The loan file is missing the Primary Sponsor's credit report and Borrower Authorization Form. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121248 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> final app attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121248 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate housing events that include past due accounts must have XXXX-months of seasoning from the time of the event for the sponsor to be eligible for the DSCR program. The loan file contains a VOM for the subject property mortgage dated XX/XX/XXXX that indicates a current account with no late payments. However, the mortgage payoff provided for the subject property dated XX/XX/XXXX reflects deferred mortgage payments for XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> not a default. the payments were deferred with the extension fee. Extensions were paid on XXXX/XXXX and XXXX/XXXX. it wasn&#XXXX;t a housing event it was just an extension<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide formal extension in writing from said Lender. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121248 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | A title commitment/policy with XXXX as the vested owner is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> commitment attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see QCD attached. Title commitment also references the deed under B Part I # XXXX.a<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> XXXX is their acquisition entity and purchased in February of XXXX. Property was QCD&#XXXX;d at closing out of XXXX at closing into XXXX which is their holding entity. This is why it reflects as acquired in February and the deed transfer was December (at closing).<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Tile provided reflects the previous owner. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Appraisal reflects borrower took ownership in XXXX. Please explain the delayed XXXX deed transfer. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121248 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121249 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121249 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121249 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The loan file is missing the Primary Sponsor's credit report and Borrower Authorization Form. Additionalconditions may apply in the event the mortgage history is not reflected onthe credit report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> reports attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121249 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> final app attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121249 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> commitment attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121249 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121250 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121250 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is either incomplete. Missing the addendum that lists the property address. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2121250 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced or documented. The loan file contained a bank statement dated XX/XX/XXXX and XX/XX/XXXX for account ending XXXX\*XXXX, reflecting a balance of $XXXX. The loan file also contained the first page of an account summary dated XX/XX/XXXX for the same account ending XXXX\*XXXX which was missing pages XXXX-XXXX of XXXX and reflected a large deposit of $XXXX bringing the new balance to $XXXX; however, the source documentation for this unusual deposit was not documented in the loan file. The borrower was required to evidence $XXXX in funds for reserves, in addition to $XXXX in funds to close for a total of $XXXX required for the transaction. Without the use of these funds the subject transaction would be short required funds. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see LOE from borrower. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Updated bank statement ending XX/XX/XXXX reflecting the large deposits and LOE from borrower provided and acceptable. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121250 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrowers passed the OFAC screening process. The OFAC was missing from the loan file for the borrowing entity XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121250 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for the guarantor, XXXX is missing from the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121250 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check was missing from the loan file for the borrowing entity XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX background report provided as required for entity. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121250 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. A certificate of good standing was missing from the loan file for the borrowing entity XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121250 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application for the guarantor, XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed app attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121250 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121252 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121252 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report for the Guarantor, XXXX, was not provided as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121252 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The final loan application for the Guarantor, XXXX XXXX was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed application. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121252 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123038 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123038 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file does not contain a credit report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123038 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file is missing the Operating Agreement, Resolution, and EIN for the entity borrower, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123038 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The loan file does not contain a loan application. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123038 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. Max LTV for cash out with a XXXX is XXXX%. The subject loan closed with an LTV of XXXX%, which exceeds the max of XXXX%. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Loan is technically not a cash-out loan. Borrower received $XXXX at closing which is XXXX% of the loan amount which is within guidelines of XXXX% max. Loan was set up as a Rate/Term in our system. Please reference page XXXX of the guidelines they approved specifically referencing cash out maximum on Rate/Term transactions<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123038 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123037 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123037 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing the borrower's credit report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123037 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The loan file does not contain a loan application. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123037 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123042 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123042 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The borrowing entity is XXXX. The operating agreement provided indicates the entity is XXXX% owned by XXXX. The loan file does not contain documentation on the layered entity. The EIN documentation for the borrowing entity indicates the borrower is the sole member. The loan file does not contain documentation addressing this discrepancy. It should be noted that layered entities require approval. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123042 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123042 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The appraisal and title documentation indicate the subject property was held by XXXX at the time of closing. There is a general warranty deed transferring tile to the borrowing entity at closing however the loan file does not contain documentation supporting the natural person borrowers ownership in the transferring entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123042 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123036 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123036 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | The borrower's social security card was provided and reflected "Valid for work only with XXXX Authorization". No additional documentation to support borrower's residency status as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> borrower has a US passport, please waive. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123036 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The origination credit for the Guarantor, XXXX XXXX was not provided as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> borrower has confirmed XXXX.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> I have uploaded here and in XXXX server as well. <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Credit reflects XXXX. The minimum score required for an XXXX% LTV is XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is corrupt. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Updated credit report dated XXXX.XXXX reflects qualifying credit XXXX meeting guidelines. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123036 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The Note date was XX/XX/XXXX. The subject closed in the name of an entity. The investor guidelines required a Certification of Good Standing dated within XXXX days of the Note date. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123036 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The final loan application for the Guarantor, XXXX XXXX was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123036 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123040 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123040 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file does not contain the borrower's credit report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123040 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The loan file does not contain a loan application. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123040 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123039 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123039 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects the current owner as XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2123039 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The borrower's credit report is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123039 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> signed app attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123039 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121251 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121251 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The loan file did not contain an application for the borrowers/guarantors as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121251 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Type. Guidelines require a minimum XXXX square feet of living space. The appraisals for all XXXX cross collateralized properties reflect that each unit is only XXXX square feet and does not meet the minimum required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approval email attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The email is cut off. Please provide the complete correspondence that contains the exception for square footage. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121251 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121253 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121253 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The origination credit for the guarantor, XXXX, was not provided as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121253 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The loan application for the guarantor, XXXX was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed application attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121253 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123043 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123043 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Investor guidelines state unless otherwise noted, all loan documentation must be dated within XXXX days of the note date. The loan file contains documentation of good standing for the borrowing entity dated XX/XX/XXXX (XXXX days). The certification of good standing is expired. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123043 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123043 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123041 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123041 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The Note date was XX/XX/XXXX. The investor guidelines required a Certificate of Good Standing dated within XXXX days of the Note date. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COGS attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> COGS provided is too old. Print date was XX/XX/XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123041 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The loan application for the guarantor, XXXX was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed application attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123041 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123023 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123023 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The guidelines indicate the appraisal must contain at least XXXX comparable in the same zip code XXXX within XXXX mile of the subject property. At least XXXX comparable must be within XXXX mile of the subject property with net adjustments at most XXXX%. The appraisal reflects XXXX comparables, (XXXX) < XXXX mile, all within the same zip code (XXXX), however all net adjustments exceed XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception approval attached from XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2123023 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The guidelines indicate a Background Check including Foreclosure/NODs and alleged criminal filings is required for the Guarantor. The loan file contains a criminal search for the Guarantor, however, is missing the required Background Check for XXXX . | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Background check attached for the borrower<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123023 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The guidelines indicate for entities with XXXX or few members a personal guaranty is required for any individual with ownership interest of XXXX percent (XXXX%) or greater in the entity. The Guarantor XXXX XXXX holds XXXX% ownership interest in the XXXX (XXXX) and the loan file is missing an executed Guaranty Agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Guaranty attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123023 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate a XXXX month VOM for the Guarantors primary residence is required, verified via credit report or XXXX months mortgage statements if not report on credit. The application and address history on the credit report indicate the Borrower has resided in their primary residence (XXXX) for XXXX-XXXX years. The XXXX has (XXXX) reported mortgage on credit that has reported for XXXX+ months. The loan file is missing a XXXX month VOM for the Guarantors primary residence or evidence it is owned free & clear. (Additional Conditions May Apply) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrower moved into the address on his loan application in XXXX with his current wife (XXXX). His wife is the sole borrower of the current mortgage with XXXX. Copy of the executed security instrument attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123023 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The guidelines indicate properties s listed for sale within XXXX (XXXX) months are eligible when using the lower of AIV and the lowest listing price and with an LOE from XXXX. The subject property was listed within (XXXX) months (XX/XX/XXXX, listing removed XX/XX/XXXX) and the loan file is missing an LOE from the XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOE on listing attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123023 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The guidelines indicate the maximum document age for the Title Commitment within XXXX days of the Note Date (XX/XX/XXXX), The Title Commitment in file is dated XX/XX/XXXX (XXXX days). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated Commitment with effective date of XX/XX/XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123023 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123026 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Appraisal disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123026 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123026 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123027 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | Appraisal notice disclosure, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123027 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123027 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123025 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123025 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123025 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123030 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123030 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file contained an OFAC screening for the borrower; however, the OFAC screening in file was dated XX/XX/XXXX which was XXXX days prior to the note date of XX/XX/XXXX. Lender guidelines require the OFAC screening to be dated within XXXX days of the note date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> OFAC attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123030 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file contained a Background report for the borrower; however, the background report in file was dated XX/XX/XXXX which was XXXX days prior to the note date of XX/XX/XXXX. Lender guidelines require the background report to be dated within XXXX days of the note date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Background checked pulled XXXX days post-closing. No changes to the report from September XXXXth to December XXXXnd.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123030 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file contained a XXXX report for the subject property indicating the property was listed for sale on XX/XX/XXXX for $XXXX, and the listing was removed on XX/XX/XXXX . Lender guidelines state if a property was listed for sale within XXXX months of the note date, the lower of the listing price or appraised value would be used to calculate LTV. Using the listing price of $XXXX which was lower than the $XXXX appraised value, resulted in an LTV over XXXX% and does not meet program parameters. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Pre-Closing exception approval from XXXX allowing us to use the AIV in lieu of the listing price. Loan was capped at XXXX LTV per XXXX&#XXXX;s request.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2123030 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123024 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123024 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123024 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123033 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123033 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123033 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123028 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123028 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123028 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123029 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was notcompleted accurately. The loan is a XXXX-year fixed close-end product. The Open-end Form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security instrument covers the correct debt and terms. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> What is needed from our end to have the Security Instrument cleared for this loan?<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Security Instrument covers the correct debt and terms resulting in an EV2 grade. (Acknowledged)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2123029 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The appraisal photos in file reflected bars on the windows and doors and XXXX security system covering the 1st floor windows and doors, and the loan file did not contain any evidence the security system had been removed or that the safety bars had quick release latches as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Property was vacant at the time of refinance and the covers on the doors and windows are to prevent theft while the property sits vacant. These covers are easily removed when a tenant is set to move into the property once approved (very common in XXXX for vacant properties).<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123029 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The bank and/or asset statements are aged at closing. The loan file contained XXXX months bank statements from XXXX and XXXX which supported sufficient assets to meet the reserve requirement; however, the most recent statements for each account were dated XX/XX/XXXX, which was XXXX days prior to the note date of XX/XX/XXXX. Lender guidelines require bank statements to be dated no more than XXXX days prior to the note date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX personal checking account statements attached for XXXX (\*XXXX). Final balance was $XXXX on XXXX/XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123029 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file contained an OFAC screening for the borrower; however, the OFAC screening in file was dated XX/XX/XXXX which was XXXX days prior to the note date of XX/XX/XXXX. Lender guidelines require the XXXX screening to be dated within XXXX days of the note date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> OFAC attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123029 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Adverse Credit | XXXX | Adverse credit information, such as judgements, were not adequately explained by the applicant. The Background report in file for the borrowing entity, XXXX, reflected XXXX judgments filed between XXXX and XXXX, and the loan file did not contain any documentation confirming the judgments were satisfied or dismissed as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> All the judgments listed on the background check list the closing entity as the &#XXXX;Creditor&#XXXX; meaning they placed a judgment on a person/entity. All judgments being flagged is the borrower placing judgments on previous tenants for damages/missed rents on other properties they own.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123029 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file contained a Background report for the borrower; however, the background report in file was dated XX/XX/XXXX which was XXXX days prior to the note date of XX/XX/XXXX. Lender guidelines require the background report to be dated within XXXX days of the note date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Background check pulled XXXX days post-closing on the borrower. No changes between the XXXX reports from XXXX and XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123029 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123031 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX-year fixed close-end product. The Open-end Form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security instrument covers the correct debt and terms. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> What is needed on our end to have the Security Instrument approved?<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Security Instrument covers the correct debt and terms resulting in an EV2 grade. (Acknowledged)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2123031 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123031 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123032 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123032 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower(s)' name(s) on the Security Instrument is inconsistent with the Note. The Vested Interest on the Security Instrument is inconsistent with the Title. Title reflects current Vested Interest as XXXX and XXXX whereas the Security Instrument reflects XXXX. There is no evidence of a transfer deed in the loan file for the change. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Quit Claim deed showing transfer attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123032 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123032 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123034 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123034 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123034 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123035 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123035 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123035 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114509 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders are missing: XXXX-XXXX Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> SFR entity rider attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. All rider except the SFR Entity Borrower Rider have been provided; please provide the SFR Entity Borrower rider for review. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. All rider except the SFR Entity Borrower Rider have been provided; please provide the SFR Entity Borrower rider for review. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> SFR entity attached.<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114509 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The appraisal indicates both units of the subject property are occupied. Investor guidelines require fully executed current lease agreements when the property is leased prior to funding. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114509 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The loan file is missing the Mortgage Payoff demand from XXXX as required per investors guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114509 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123167 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders are missing: XXXX-XXXX Family Rider , Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Riders attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123167 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contains a fraud alert for XXXX maintained for XXXX years from XX/XX/XXXX that has not been addressed in the loan file. Noted, this finding was also on the prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Letter of explanation attached regarding fraud inquiry. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Lender did contact Borrower by phone, please elaborate how we can document this to clear this condition. He was contacted at the number provided on the credit report. <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> We&#XXXX;re unable to provide a processor cert for this condition, in lieu we have provided the letter of explanation signed by the Borrower regarding the fraud alert on file. Please see attached. <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> LOE provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The Lender must contact the borrower by phone to clear the Fraud Alert. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Processor's Cert detailing the conversation is required. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> This will require an exception. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Upon further review a signed LOE from borrower was provided in regards to the fraud alert. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123167 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The file is missing the EIN for XXXX. Noted, this document was provided in the prefund review file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> EIN attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123167 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guidelines require a copy of the executed lease when property is leased prior to funding. The file is missing the lease for Units XXXX-XXXX and unit XXXX. Noted, leases were provided in the prefund review file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Leases attached for units that are currently rented. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123167 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The file is missing the OFAC for the borrower, co-borrower and XXXX. Noted, this documentation was provided in the prefund review file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> OFAC attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123167 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Ineligible Property Type - 5+ Units | XXXX | The subject property is XXXX units. Properties with XXXX or more units must be approved to meet the Buyer overlay. Noted, guidelines allow XXXX-XXXX unit projects; however, guidelines do not provide additional requirements for this type of property and this finding was on the prefund review. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approval for XXXX unit property attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2123167 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. Guidelines require use of cash out proceeds for business purposes only and require documented reason for cash out via (XXXX) detailed completion of the Loan Application cash-out use of proceeds sections or (XXXX) a detailed borrower/sponsor's letter of explanation. The application does not have a cash out proceeds section to complete and no other documentation provided to confirm of use of funds. Noted, this finding was also on the prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE on business purpose use of cash out proceeds attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123167 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contained XXXX dated XX/XX/XXXX which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121238 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders are missing: XXXX-XXXX Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, and Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Riders attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121238 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | File contains a VOM dated XX/XX/XXXX and pay history with XXXX secured by the subject property that was not provided at prefund review reflecting a maturity date of XX/XX/XXXX which is prior to application date of XX/XX/XXXX. Appears payments made after XX/XX/XXXX and principal balance of $XXXX which is what's reflected on the VOM. Mortgage does not appear on the title commitment at post close or on the final HUD. Documentation to confirm loan has been paid off required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached release of lien. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121238 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Vesting in LLC. File is missing EIN which was provided at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> EIN attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> EIN attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121238 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116952 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116952 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met for LTV. The borrower was qualified with and LTV of XXXX% based off of a sales price of $XXXX which is supported by the purchase contract; however, the HUD-XXXX reflected a purchase price of $XXXX and an assignment fee of $XXXX for a total sales price of $XXXX(assignment of contract in file). The revised LTV is XXXX% which exceeds guideline max of XXXX%. Noted, loan reviewed in prefund; however, final HUD was not provided in the file for review). | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See final settlement statement. Leverage only off by .XXXX% - please waive.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see attached screenshot with approval from investor regarding this condition. PPF will be taking first loss on this one.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2116952 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file dated XX/XX/XXXX which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121240 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s) are missing: XXXX-XXXX Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, and Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121240 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. Guidelines allow a maximum XXXX% LTV for a purchase with a Credit Score of XXXX; however, the subject loan reflects XXXX% LTV, which exceeds the maximum. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached documents showing investor approved waiver request.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121240 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121239 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders / Legal Addendums are missing: XXXX-XXXX Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached riders.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121239 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The subject is a DSCR loan. The appraisal indicated the subject property was leased out at the time of the appraisal with an effective date of the lease of XX/XX/XXXX. The investor guidelines required a fully executed current lease agreement when the property is leased prior to funding. Funding date reflected on HUD was XX/XX/XXXX. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached lease agreement.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121239 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Cash-Out Amount | XXXX | The subject loan was a Limited Cash Out transaction and final HUD reflected cash to the borrower in the amount of $XXXX. Per the investor guidelines, the maximum cash out on a Limited Cash Out transaction was $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor clearance of c/o overage of $XXXX attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see attached investor approval of the exception. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121239 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The LTV does not meet the program eligibility guidelines. Per lender matrix, the max LTV for a rate and term refinance with a XXXX is XXXX%. The subject loan has an LTV of XXXX%, which exceeds the max. Loan amount of $XXXX and appraised value of $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor provided an exception approval. See attached. Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121239 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | he Hud on the subject transaction reflected an existing mortgage to XXXX was paid off at closing. The investor guidelines required a payoff demand for any active lien secured by the subject property that is paid through closing. Required payoff demand was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached payoff.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121239 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123164 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | There is no evidence the Notice of Right to Receive Copy of Appraisal was disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123164 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements were not verified in the file. Required reserves are $XXXX. Verified assts are $XXXX. Reserve shortage is $XXXX. \*\*Note: The XXXX account has an outstanding loan balance that is required to be excluded. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX account attached. Vested balance is $XXXX - outstanding loan balance of XXXX = $XXXX. Additionally, XXXX x0012 stmt shows $XXXX in assets. Per the stmt the loan balance on the XXXX account was $XXXX as of XX/XX/XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> 401k stmt and october x0012 stmt attached. <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Investor approved assets waiver.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The 401k Balance must be reduced by XXXX%. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2123164 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - (EAD) Risk Category | XXXX | The Borrower is not a US Citizen and provided an Employment Authorization Document (EAD) with a Category of C08 indicating that the Borrower is an Asylee or under suspended deportation orders. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Borrower verification of employment attached. They have been employed for XXXX+ years with the current company, and remain employed. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor clearance of EAD condition. <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> See attached - waiver approved by investor.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Updated Lender Exception docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor exception for work authorization category is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> It appears exception was not granted by Investor. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The exception request is cut off. Comments cannot be viewed. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Lender approved to waive based on compensating factors. (Waived)<br>**  |  | XXXX. XXXX. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2123164 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The appraisal reflects the subject propertyis tenant occupied, and the photos are evidence the subject is occupied. Theloan file is missing the lease for the subject rent. Please provide the leaseas required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lease & prop mgmt agreement attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123164 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2118164 | 1 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Trust Missing | XXXX | Title to the Property is held in Trust, but the Trust Document is missing. Unable to determine if signatures on Note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX provided<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> XXXX provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2118164 | 2 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders are missing: XXXX-XXXX Family Rider, Prepayment Rider, Revocable Trust Rider, Business Loan Rider, SFR Entity Borrower Rider, Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Riders attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2118164 | 3 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Title commitment was uploaded under the Underwriting tab.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2118164 | 4 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Trust Missing | XXXX | Title to the Property is held in a Trust, but the Trust Document is missing. Unable to determine if signatures on the Security Instrument are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2118164 | 5 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. Assets are required at $XXXX (cash to close at $XXXX and reserves at $XXXX) and the loan is missing bank statements to verify. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached bank statements and VODs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2118164 | 6 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject mortgage payoff is missing from the loan file and required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached payoff<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2118164 | 7 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per guidelines Lease agreements for the XXXX subject units are required but missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached lease documents<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2118164 | 8 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Ineligible Property Type - 5+ Units | XXXX | The subject property is (XXXX) units. Properties with XXXX or more units must be approved to meet the Buyer overlay. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> GL exception approval provided by investor - see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2118164 | 9 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The subject loan is in XXXX and vested in a trust. Guidelines state loans to trusts in XXXX are ineligible. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor clearance of this condition attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached exception approval. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception does not appear to be from Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2118164 | 10 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Title commitment and supplemental report attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2118164 | 11 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The loan is vested in a trust and guidelines require a certificate of trust which is missing from the loan file | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2118164 | 12 of 12 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2116958 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: Missing the cash out letter. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached LOE regarding the business purpose use of the C/O proceeds. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116958 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders are missing: XXXX-XXXX Family Rider / Prepayment Rider / Business Loan Rider / SFR Entity Borrower Rider / Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached riders.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2116958 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2116958 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121242 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121242 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The file is missing a background report report for the vesting entity. File only contains a XXXX business search. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Business background attached. This is our standard report that we pull on all entities. Can you please re-review and clear this finding. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121242 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123166 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s) / Legal Addendum(s) are missing: XXXX-XXXX Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, and Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Riders attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Some of the missing riders were provided, however the Business Purpose and Environmental Rider is still missing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123166 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The appraisal indicates the subject property is tenant occupied and leased for $XXXX. Investor guidelines require a lease to be provided any time a subject property is leased prior to funding. The loan file is missing a copy of the fully executed lease. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached lease agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123166 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject property is located in XXXX, which is not a state listed in Investor guidelines as an acceptable lending area. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX lending area cleared. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Exception is cleared in their portal, not sure what else I can provide in order to clear this item. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Borrower for XXXX is the same as XXXX - both properties for these loans are located in XXXX. However, this same condition was not present with XXXX. XXXX was purchased by investor on XX/XX/XXXX. Please waive.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> PPF had call with XXXX and XXXX regarding error in guidelines that omitted XXXX. Please see attached email thread with XXXX accepting these updated GLs. Please clear.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception does not appear to be from Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Part of the document is cut off. Required information is not viewable. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Please provide complete exception form from Investor. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Email chain does not contain XXXX exception from XXXX. (Upheld)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX and XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2123166 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The Final HUD-XXXX indicates a first lien loan with XXXX being paid at closing. The loan file is missing a copy of the mortgage payoff demand as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123166 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX5 which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2118165 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders are missing: XXXX-XXXX Family Rider, Prepayment Rider, Fixed Interest Rate Rider, Business Loan Rider, SFR Entity Borrower Rider, and Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Riders attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2118165 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The appraisal indicates the subject property is currently leased. Investor guidelines require a fully executed current lease agreement for all properties leased prior to funding. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lease attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2118165 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The subject loan LTV of XXXX% does not meet the program eligibility guidelines of XXXX% for Non-permanent resident aliens for a cash out refinance. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached ELL rate sheet showing >XXXX% cash out allowed for non-perm resident aliens. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see attached matrix from XXXX.XXXX showing XXXX% LTV C/O allowable for Non-perm resident aliens. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX provided started on XX/XX/XXXX. The loan closed on XX/XX/XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2118165 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The loan file is missing mortgage payoff demands for the first lien with XXXX and second with XXXX being paid at closing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Payoffs attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2118165 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123171 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123171 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The file is missing the EIN and XXXX for XXXX. Noted, this documentation was provided in the prefund review file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Entity docs attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123171 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guidelines require fully executed lease agreements when property is leased prior to funding. The rent schedule indicates all XXXX units are leased. The leases are missing from the file. Noted, leases were provided in the prefund review file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Leases attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123171 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guidelines require use of cash out proceeds for business purposes only and require documented reason for cash out via (XXXX) detailed completion of the Loan Application cash-out use of proceeds sections or (XXXX) a detailed borrower/sponsor's letter of explanation. The application does not have a cash out proceeds section to complete and no other documentation provided to confirm of use of funds. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached LOE. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123171 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The subject transaction is a Cash Out refinance. The qualifying XXXX and the LTV is XXXX%. Per the matrix, the maximum cash out allowed for this scenario is $XXXX. The final HUD reflects cash out of $XXXX which exceeds the maximum allowed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception approval from investor attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Experienced Investor. XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2123171 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The file was missing the OFAC search for the borrower, co-borrower and XXXX. Noted, the OFAC was provided for all parties in the prefund review file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> OFAC attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123171 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2118166 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2118166 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2118166 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121244 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121244 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121244 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121241 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s) / Legal Addendum(s) are missing: XXXX-XXXX Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, and Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Riders attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121241 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The articles of organization and evidence of the EIN Tax XXXX for the borrowing entity XXXX are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Entity docs attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121241 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121245 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121245 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121245 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121243 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | There is no evidence the borrower received the Notice of Right to Receive Copy of Appraisal within XXXX days of the application date due to the following: There was no application date. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121243 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s) are missing: Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, XXXX-XXXX Family Rider, Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached riders.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121243 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The vesting entity recently formed XX/XX/XXXX. No evidence of an assigned EIN; however, was provided at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121243 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A XXXX% sales concession allowed (confirmed by the client as not addressed in the XX/XX/XXXX guidelines), or $XXXX based upon the sales price of $XXXX. The final executed HUD reflects a seller credit to the borrower in the amount of $XXXX which exceeds $XXXX resulting in an adjusted LTV of XXXX% which exceeds the max LTV of XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception approval from investor attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121243 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123168 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s) are missing: XXXX-XXXX Family Rider, Business Loan Rider, SFR Entity Borrower Rider, Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached riders.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123168 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The payoff for the mortgage being paid off on the HUD is required and missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached, payoff shown on final settlement statement.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Final lender&#XXXX;s title policy & payoff from other lender attached. Title did not require the payoff to be signed by the other lender. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide payoff issued by bank. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123168 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines require a fully executed current lease agreement when the property is leased prior to funding. Appraisal confirms the subject is leased/ occupied and the lease is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123168 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. Guidelines require use of cash out proceeds for business purposes only and require documented reason for cash out via (XXXX) detailed completion of the Loan Application cash-out use of proceeds sections or (XXXX) a detailed borrower/sponsor's letter of explanation. The file is missing documentation of use of funds. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We are seeking a waiver on this condition. Unable to obtain LOE post closing for use of cash out funds. Borrowers did sign business purpose loan agreement and declaration of non-owner occupancy at closing, which have been attached (also part of the initial doc upload). <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> LOE attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123168 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123169 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123169 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The borrower and/or coborrower indicate Resident Alien status; however, the file contains no evidence documenting status as legally. The application reflects the borrowers are not U.S. Citizens. The loan file does not contain documentation verifying the borrowers' legal status. Documentation was provided at prefund review but not at post-close review. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached VISAs <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123169 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The entity EIN is missing from the file. EIN was provided at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> EIN attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123169 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | Review of the appraisal reflects the occupancy as vacant; however, review of the pictures indicates the subject property is occupied and a lease agreement has not been provided in the loan file. In addition, the appraiser indicates the subject property is currently rented at $XXXX per month per the market rent survey. Please provide lease. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached lease agmt. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Property management agreement attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide XXXX property management agreement. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123169 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Subject transaction cash-out refinance. A detailed borrower/sponsor's executed letter of explanation for the cash-out proceeds missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123169 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM by XXXX, CDA, or XXXX to support the origination appraised value. Secondary valuation provided at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123170 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders are missing: XXXX-XXXX Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, and Business Purpose and Environmental Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Riders attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123170 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The file is missing the EIN for the LLC entity which was provided at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> EIN attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123170 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing which was provided at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Flood cert attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123170 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is missing the current hazard insurance policy on the subject property with required perils and sufficient coverage which was provided at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Hazard insurance attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123170 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The appraisal reflects the subject is currently tenant occupied (duplex/XXXX units). The lease agreements are missing from the file which were provided at prefund review. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lease and estoppel letters attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123170 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The appraisal reflects the condition of the subject property as C4. Review of the guidelines for rental/DSCR on subject property condition eligibility reflect only C1 - C3 allowed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Looking at both the appraisal and the CDA, there is no mention of adverse structural issues to the property - all appear to be outdated cosmetic items which are minor compared to something in regards to foundation, or framing. Please waive.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See waiver from investor - attached.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> See attached updated screenshot with EF approving the exception request.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The guideline does not allow C4 condition for rental properties. If this is not the intention of the Originator, the guide needs to be corrected. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Exception for C4 condition not received. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2123170 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing from the file which was provided at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Title commitment attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2123170 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains SitusAMC Reconciliation Report dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2123175 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123175 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A cash out refinance requires XXXX of the following: Detailed completion of the Loan application cash-out use of proceeds sections, or a detailed borrower/sponsor's executed letter of explanation. There is no documentation in the file for use of proceeds. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE on use of c/o funds attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123175 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. No application is in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Application attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123175 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | The hazard insurance provided in the loan file does not confirm required perils coverage is included. Additionally, the insurance certificate does not reflect the insurance premium ($XXXX vs $XXXX) used to qualify the borrower (per HUD and payment letter). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Insurance Dec page showing all perils included, as well as confirming the monthly payment is XXXX (which matches both HUD and payment letter). We&#XXXX;re unable to see anywhere that this reflects the insurance payment as $XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123175 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123172 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123172 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal provided has numerous pages that are illegible and market rent unable to be determined. Complete appraisal was provided at prefund. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Appraisal attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123172 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The file is missing the most recent XXXX month bank statement(s) and/or quarterly statement(s), which were provided at prefund review. Funds required of $XXXX (funds to close of $XXXX plus XXXX months reserves on the subject of $XXXX). Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Asset statements attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123172 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Entity EIN is missing from the file which was provided at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> EIN attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123172 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage payment history for the subject property secured by the mortgage loan with XXXX is missing from the file which was provided at prefund. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> VOM / Pmt history attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123172 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM by XXXX, CDA, or 2nd appraisal to support the origination appraised value. A XXXX. Reconciliation Report was provided at prefund review but not provided in the Post Close file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123174 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123174 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file did not contain a copy of the certificate of formation/organization as required for the entity known as XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Entity docs attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123174 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123179 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123179 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrowers/guarantors not the borrowing entity passed the OFAC screening process. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> OFACs attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123179 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The payoff letter for the mortgage paid at closing with XXXX was not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Payoff attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123179 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The loan file did not contain a copy of the background checks for the borrowers/guarantors nor the borrowing entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Background reports attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123179 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history for the mortgage paid at closing with XXXX was not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> VOM attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123179 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123178 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123178 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123178 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123180 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123180 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123180 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123173 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123173 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Subject transaction cash-out refinance. A detailed borrower/sponsor's executed letter of explanation for the cash-out proceeds missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123173 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains SitusAMC Reconciliation Report dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123177 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123177 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. Recent large deposits werenot adequately sourced and/or documented. Recent large deposits were not adequately sourced and/or documented. The loan file contains no explanation for the large deposits reflected on the borrower's bank statement dated XX/XX/XXXX for $XXXX, XX/XX/XXXX for $XXXX0, XX/XX/XXXX for $XXXX and $XXXX, XX/XX/XXXX for $XXXX, XX/XX/XXXX for $XXXX. Without proper documentation, the borrower will not have the required funds for closing/reserves. This was conditioned for at prefund review. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached LOE and source of large deposits. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123177 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The lease on the subject property reflects the property is managed by a property management company, XXXX. The loan file is missing the property management agreement. This was conditioned for at prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached LOE regarding the property management. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123177 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The VOM for the subject property was not completed to reflect a satisfactory payment history. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> VOM attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123177 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123176 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123176 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The loan file does not contain a loan application. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached signed application. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123176 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA. dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107550 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Note was not completed accurately. The name of the trust on the Note and Addendum to the Note do not match the name of the Trust on the Trust Certification or the Trust document. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> please see updated note<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107550 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The name of the trust on the Mortgage and Trust Rider do not match the name of the Trust on the Trust Certification or the Trust document. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding.The corrected Mortgage and the rider have been reviewed and acceptable. The Letter of Intentcannot be used to cure the exception; re-recording the document is thecure. Please provide evidence when the documents have been recorded. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documents not received. Please resubmit. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> please see corrected DOT and LOI<br>Buyer Comment 2 (XX/XX/XXXX XX:XXAM)<br> please see corrective recorded mortgage<br>Buyer Comment 3 (XX/XX/XXXX XX:XXPM)<br> docs uploaded<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107550 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument is incomplete: Notary section is missing notary name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> recorded mortgage showing notary section was completed priot to recording, corrective mortgage will be provided for signature lines.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Client to Provide documents/response when issued. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> The initially recorded DOT showing the notary section completed was uploaded on XXXX/XXXX.<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107550 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107550 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1710587 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1710587 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1710587 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114628 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Legal Description Exhibit A is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached mortgage with legal description.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114628 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Appraisal Desk Review Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114628 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan file contains a lender exception allowing XXXX months reserves, when guidelines require XXXX months reserves on LTV's greater than XXXX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: On job XXXX+ yrs, Strong credit history XXXX lates |  | 2 | 2 | 3 | 2 |
| XXXX | 2114628 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2107732 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the Title. Title reflects current Vested Interest as XXXX and XXXX whereas the Security Instrument reflects XXXX XXXX. There is no evidence of a transfer deed in the loan file for the change. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> transfer deed<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107732 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | Copy of state or government issued XXXX or passport is required for the borrower and missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107732 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Full credit report for the borrower is required and missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Only a supplement was provided. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107732 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. Good standing for the entity dated within XXXX days is required per guidelines. Provided document in the loan file is missing verification of date pulled. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> certificate of good standing. date printed in top left corner<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107732 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. Loan was submitted with borrower having XXXX% ownership in the borrowing entity. Documentation provided in the loan file is missing updated confirmation of borrower ownership % as the operating agreement reflects XXXX% ownership. Provide addendum or similar documentation to support correct ownership structure of borrowing entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> operating agreement showing XXXX% ownership<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107732 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The policy provided is expired as of the note date, provide current policy for the subject. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> dec page<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107732 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098718 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098718 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. Guidelines require full credit report for the borrower, which is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Only a supplement was provided. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098718 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. Current operating agreement is required for the borrowing entity and missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> operating agreement and addendum<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098718 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094827 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094827 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The guidelines indicate that a credit report is required for every borrower, guarantor, and any majority member of a borrowing entity. The borrower, according to the note, is an entity and the note was signed by the XXXX members each owning XXXX% whom also each signed as individuals on the guaranty in the loan file. The loan file contained no credit reports for either owners of the borrowing entity, as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This file only had one qualified guarantor so only one report should be required. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094827 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No value supporting documentation was present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Origination appraisal received a second time.<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124325 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement Exhibit C "Description of the Property" is blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LEGAL WAS PART OF THE XXXX UPLOADED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124325 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | The borrower's name on page XXXX of the Loan Agreement is listed as an individual rather than as the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED CORRECTION<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124325 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity. The borrowers name does note include their title on the Note and Loan Agreement, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2124325 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The borrower is an entity. The borrowers name does not include their title on the Mortgage and XXXX-XXXX Rider, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2124325 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124325 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119334 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity however the Note and addendum was signed as Individual only. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED CORRECTIONS<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2119334 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The notary for the security instrument is dated XX/XX/XXXX; however, the notary should reflect XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2119334 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The borrower is an entity however the Mortgage and rider was signed as Individual only. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2119334 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file is missing the Fraud Check. Fraud report which includes all parties to the transaction is required. AHL will accept the following fraud reports, Drive Report, XXXX, TLO, Loan Shield by XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> this is a correspondent loan_ they can use any vendor as long as it meets all AHL requirements per guidelines.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Fraud report provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2119334 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the borrower to proceed (as a first time investor) without currently owning any real estate. XXXX guidelines requires a borrower to have owned real esatet for a minimum of XXXX months within the last XXXX months. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, years at present addres eight, excess reserves $XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2119334 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to waive requirement for a foundation inspection for property built in XXXX (C3 condition with effective age of XXXX years). XXXX guidelines requires a home inspection for properties built prior to XXXX-specifically a foundation inspection. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, years at present addres eight, excess reserves $XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2119334 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098714 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098714 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for the Guarantor is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098714 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120451 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120451 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120451 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2106835 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2106835 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. $XXXX ($XXXX in cash to close and $XXXX in reserves) is required to be verified. File contains verification of $XXXX in assets and is short $XXXX in cash to close/ reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> assets<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> guarantor is a partner in XXXX XXXX XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Unable to tie XXXX or XXXX ownership to the borrowers. Also XXXX account does not meet history requirements. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Still unable to tie the XXXX account to the borrowers. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106835 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. Full credit report for borrower is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit reports<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2106835 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120460 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120460 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120460 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094847 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity however the Note was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2094847 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. Guidelines state all loans must include a third-party fraud detection report for all borrowers. Report findings must cover standard areas of quality control including, but not limited to: borrower validation, social security number verification, criminal records, and property information (subject property and other real estate owned). All high-level alerts on the report must be addressed and cleared by the underwriter. Provide missing background check for the borrower to meet requirements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Background check provided as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2094847 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | DSCR guidelines require a complete schedule of real estate owned including financed and free and clear properties. The file must contain documented proof that lien free properties are truly free and clear of all liens. Two properties located at XXXX and XXXX appear to be free and clear per the XXXX, but the supporting documentation is missing from the file. Provide property profile or equivalent to support that the properties are free of liens. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Property Detail reports provided for both properties and do not reflect any mortgage liens. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2094847 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing for the subject and required per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2094847 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. Guideline requirement has not been met. The subject transaction is a purchase of a XXXX unit property. Guidelines require the borrower to have experience owning a XXXX+ unit property. The file did not contain documentation to confirm this requirement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Property Detail report provided for XXXX shows this is a XXXX unit property owned by borrower and meets guideline requirements. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2094847 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception for the subject loan does not meet guidelines for number of units leased on a purchase XXXX+ unit property. Subject is XXXX unit property and XXXX units are leased due to renovation on XXXXth unit not complete. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Compensating factors: 0x30 on credit report, qualifying XXXX, and reserves of $XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2094847 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a field review dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2099113 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity however the Note was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2099113 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The notary page is missing the document name that it belongs to. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Recorded Mortgage<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2099113 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The Final HUD for the subject transaction reflected Seller paid $XXXX in borrower's closing cost. The investor guidelines required all interested party contributions to be properly disclosed in the sale contract, appraisal, loan estimate and closing disclosure and be compliant with applicable federal, state and local law. Interested party contributions were not disclosed as required on the sales contract or appraisal. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Compensating factors: experience investor with XXXX properties; LTV XXXX%; XXXX months reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2099113 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2099113 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The co-borrower is a non permanent resident alien. The file contained a copy of the social security card which indicates its valid for work only with XXXX authorization. The file did not contain a Visa of any type in order to confirm not expired. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2099113 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The subject transaction is a purchase of a XXXX unit property. Guidelines require the borrower to have experience owning a XXXX+ unit property. The file contained a letter of explanation from the borrower stating properties located at XXXX and XXXX are triplexes; however, the file did not contain documentation to confirm. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2099113 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for Citizenship. Lender exception in file for H1B Visa when only US Citizens are allowed for XXXX-XXXX unit properties. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: experience investor with XXXX properties; LTV XXXX%; XXXX months reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2099113 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120455 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2120455 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The loan file contains an invoice for a XXXX/XXXX only. Needed to support the value of $XXXX used at origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2120455 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per XXXX agreement is required but missing from the loan file. Rental income of $XXXX not verified at origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> lease agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2120455 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file does not contain any secondary product at origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2120447 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120447 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The subject closed in the name of XXXX. The investor guidelines required a Certificate of Good Standing. The required document was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> certificate of good standing<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120447 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI Policy<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120447 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120450 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120450 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> new eoi<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120450 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120448 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120448 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All Perils are not referenced. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120448 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120449 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120449 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI with perils<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> HOI Policy<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All Perils are not referenced. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120449 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120452 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120452 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background report forthe borrowing entity XXXX is not present in the loan file. Further, evidence of an unsuccessful attempt was not present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> entity background<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120452 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> XXXX page with perils<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All perils coverage is not reflected. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120452 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Sales Contract - Missing/Incomplete | XXXX | The sales contract is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Signed contract and operating agreement showing XXXX has the same guarantor as PRP. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120452 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No value supporting documentation was present in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cda<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120456 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120456 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file does not contains a full credit report, only the supplement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120456 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120457 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120457 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing the actual credit report, only a supplement was provided at origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120457 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120458 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120458 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing the primary credit report, only the supplement was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120458 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120459 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120459 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing the primary credit report, only a supplement was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120459 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120453 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120453 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The loan file contains only the XXXXD and CDA that supports the appraised value of $XXXX at origination. However, the actual appraisal form XXXX/XXXX is missing (invoice reflects this was ordered and provided at origination). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120453 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126876 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126876 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Aged > 120 days | XXXX | The loan file contains an exception to allow an appraisal over XXXX days old. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, Experienced Investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2126876 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The loan file contains an exception to allow a borrower that rents their primary residence but cannot validate the payment history. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, Experienced Investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2126876 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124323 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement, Exhibit C "Description of the Property" is blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> THE LEGAL DESCRIPTION ON LAST PAGE<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124323 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124323 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114649 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Tax Service Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114649 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED..<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114649 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Aged | XXXX | Guidelines state the credit report is good for XXXX days, the credit report was pulled on XX/XX/XXXX which makes the credit report XXXX days old. The updated credit report was not located in the loan file. Additionally, a gap credit or Undisclosed debt monitoring report is required no more than XXXX days prior to closing which was not provided. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE EXCEPTION<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Lender Exception to waive finding based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2114649 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | There are XXXX tax liens reflected on the title report for the borrower for $XXXX and $XXXX both filed on XX/XX/XXXX but verification they have been released or paid off could not be located in the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED.. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Certificate of Release provided for both tax liens reflecting satisfied. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114649 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | Value is not supported within 10% of original appraisal amount. The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value. The loan file did contain a CDA and the CU score is XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED CDA<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2119335 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2119335 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119335 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126879 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126879 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower XXXX is XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the Guaranty for both guarantors. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number and citizenship, XXXX) authorization for credit report and XXXX) background check and XXXX) picture XXXX as a driver's license, passport, or similar for the non-borrowing guarantor as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor docs <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126879 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121314 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2121314 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The required background checks are missing for XXXX, XXXX, and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see the No Hit<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide No-Hit results for Fireside XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121314 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126877 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2126877 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A lender exception was made to allow property listed for sale within the last XXXX months. It should be noted that the guidelines required the listing to have been seasoned XXXX days from the application date rather than XXXX months which it was not so exception still needed. Deemed non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2126877 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126878 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126878 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126878 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2094846 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount (for loans > $XXXX). The following fees were included in the testing: Mortgage Broker Fee $XXXX, Title-Escrow Fee $XXXX, Title-Settlement Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UW fee buyout applied to QM<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> QM-Title Fees are not part of QM calculation, loan is passing XXXX% at $XXXX, XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The COC provided discloses that a UW fee buyout was applied to pass QM. Please provide details of the buyout for accurate testing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The settlement and closing title fees are paid to an affiliate of the broker and must be included in the Qualified Mortgage points and fees calculation. The loan's total points and fees were $XXXX, which exceeded: XXXX% of total loan amount. The following fees were included in the testing: Mortgage Broker Fee $XXXX, Title-Escrow Fee $XXXX, Title-Settlement Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The loan was originated as Non QM. QM Points and fees testing is no a valid exception. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2094846 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> UW fee, UW fee removed at a cost, which is why the XXXX went down, This is a valid COC.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The COC provided discloses that a UW fee buyout was applied to pass QM. Please provide evidence of the buyout for review to determine if a there is a valid reason for the decease to the XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094846 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | All loans must include a third-party fraud detection report for all borrowers to include borrower validation, social security number verification, criminal records, and property information, and is missing from the file. All high level alerts must be addressed and cleared. The file is missing the required documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Background check provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094846 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Incorrect | XXXX | The Flood Cert reflects the incorrect loan number. Subject loan number is XXXX; however, the Flood Cert reflects XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert with correct loan number provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094846 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | A VVOE is required within XXXX of the Note Date. The loan file is missing a VVOE for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> VVOE provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2094846 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2099115 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity however the Note was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2099115 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) are incomplete: pages XXXX-XXXX have the top of the page cut off. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Clean copy of Mortgage with all pages provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2099115 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. Total funds required were $XXXX which includes closing funds including the EMD and POC's of $XXXX plus reserves in the amount of $XXXX. Assets were verified in the amount of $XXXX. As a result; funds for closing were short $XXXX and reserves of $XXXX for a total of $XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The $XXXX wire was not sourced. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> LOE provided and borrower who is XXXX% owner of XXXX wired XXXX from their business account for that company to personal checking account with XXXX on XXXX.XXXX and then wired XXXX from the personal account to the XXXX same day. Assets meet required cash to close and reserves. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2099115 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. All loans must include a third-party fraud detection report for all borrowers to include borrower validation, social security number verification, and property information, and is missing from the file. All high level alerts must be addressed and cleared. The file is missing the required documentation. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2099115 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. he file is missing the Operating Agreement and Certificate of Good Standing for the borrowing entity XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Certificate of Good Standing received. Still missing Operating Agreement. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Operating agreement provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2099115 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2099115 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. A mortgage rating is required for each financed property under the DSCR program. Per the REO, the borrower owns XXXX properties including the primary residence. The file did not contain a mortgage rating for XXXX of the XXXX properties. The borrower can be considered a Professional Investor which would not require mortgage histories and housing history verified. The only requirement not met for a Professional Investor is the REO schedule must contain the gross rents for each property and that is not reflected. If not provided, then mortgage histories would be required for all properties listed on the REO except for XXXX and XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Updated XXXX provided with gross rents as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2099115 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2111979 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2111979 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | This file is missing the XXXX report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> XXXX attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation did not upload. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2111979 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | This file is missing the updated HO6 policy confirming rent loss coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Pleased note attached HOI was used to clear file in pre close review,<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing rent loss coverage. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Yesterday's upload was only the invoice. Today's upload is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2111979 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126875 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126875 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The loan file is missing the terms of withdrawal for the XXXX account to be used for reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126875 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for inexperienced investor. Allowing borrower to use his current primary residence (a duplex) for investment management experience. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: XXXX, excess reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2126875 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow co insurance. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: XXXX , excess reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2126875 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy reflecting required rent loss coverage of XXXX months. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached exception. Additionally, we have enough assets to cover the rent loss.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | comp factors: XXXX, excess reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126875 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114643 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114643 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Loan Estimate/Missing | XXXX | There is no evidence of a complete Loan Estimate provided in the loan file. As a result testing for timing and tolerance could not be completed. CFPB Title XXXX, Part XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114643 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114643 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126888 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2126888 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX prepayment term, the loan has a XXXX prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2126888 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126888 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114648 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a non-compliant HPML due to the following: The loan is a non-compliant HPML. Appraisal requirements have not been met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114648 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | HELOC - Closure Letter | XXXX | The subject loan is paying off a HELOC. The loan file does not contain evidence that the HELOC has been closed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Final SS attached showing payoff of the HELOC.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Per title, the loan was paid off and they provided the attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Payoff is not evidence of closure, which is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114648 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126892 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126892 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126892 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119332 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2119332 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow use of current credit report set to expire before loan funds. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Residual Income greater than $XXXX, XXXX+ year credit history. |  | 2 | 2 | 2 | 2 |
| XXXX | 2119332 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to proceed with borrower with only a XXXX month self-employment history. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX+ year credit history, Residual Income greater than $XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2119332 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124322 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note incomplete: Loan Agreement Exhibit C 'Description of Property' has been left blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED XXXX- WITH LEGAL FOR BOTH.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124322 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2124322 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124322 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126893 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126893 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX nonprime home loan test. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126893 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2126893 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fes was not accepted: Final Inspection Fee. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126893 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126893 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093602 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment and Appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2093602 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a rural property in an agricultural zone. Considered non-material based on compensating factors (Waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2093602 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119333 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2119333 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender guidelines require guarantors to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with XXXX meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of this documentation for the non-borrowing guarantor, XXXX, as required. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Signed as Spouse due to Community Property State.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Upon review the spouse signed the guaranty due to XXXX only therefore the additional docs are not required. (Void)<br>**  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119333 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for "allow full XXXX month cash out seasoning at XXXX months." Determined non-material based on compensating factors (waived). | Waived |  |  |  | Comp factors: excess of reserves, XXXX XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2119333 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124324 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note incomplete: The Loan Agreement Exhibit B is missing the date 'to be legally bound'. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached Exhibit B.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Lender Executed Loan Agreement has been provided; please provide a complete Exhibit B for review. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124324 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan has a prepayment term. (XXXX Comp. Laws Ann. §XXXXc(XXXX)(c)Under Mich. Comp. Laws Ann. §438.31c(2)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment fee or penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2124324 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the current credit report dated XX/XX/XXXX to be used through funding. Expires on XX/XX/XXXX. Extension waived till XX/XX/XXXX. XXXX guidelines require the credit report not to exceed XXXX days old at funding. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, XXXX, borrowers years at present address XXXX years XXXX months. |  | 2 | 2 | 3 | 2 |
| XXXX | 2124324 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119337 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2119337 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loanfile was missing the current hazard insurance policy on the subject property with sufficient coverage/replacement cost. HOI policy must specifically state "All Perils" this is missing from the hazard policy. Provide documentation showing all perils for the hazard insurance policy. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached email from agent<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> SEE DEC PAGE<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Only wind and hail are referenced. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2119337 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124326 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The borrower is an entity. The borrowers name does not include their title on the note, PPP addendum and loan agreement, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2124326 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with Title. The Vested Interest on the security instrument reflects an Entity whereas Title reflects individuals. The Deed provided in the loan file was not executed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED EXECUTED QCD- <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124326 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The borrower is an entity. The borrowers name does not include their title on the Mortgage and XXXX-XXXX Rider, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2124326 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124326 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119338 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | FACTA Disclosure - Missing | XXXX | The FACTA Disclosure (Notice to Home Loan Applicant/Credit Information Disclosure) is missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2119338 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2119338 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119338 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121313 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2121313 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2121313 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126889 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2126889 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow a for an LTV of XXXX%on a cash out refi. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX mos reserves, experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2126889 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a change to the vesting entity after application date. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX mos reserves, experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2126889 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. he loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121315 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2121315 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2121315 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124321 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124321 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing pages XXXX, XXXX, XXXX, XXXX, XXXX, and exhibit C. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124321 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124321 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124335 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124335 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow a legal non-conforming property with out a rebuild letter. Considered non-material based on compensating factors (waived) | Waived |  |  |  | Compensating Factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2124335 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124338 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124338 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124338 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2114658 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2114658 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2114658 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119336 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2119336 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Loan Agreement. Pg XXXX lists the individual as the borrower, not the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119336 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | The borrowers' name on the Note Pg XXXX does not match the signature on Pg XXXX. Pg XXXX has listed the individual and not the Entity as the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED CORRECTION<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119336 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The legal description within the Mortgage has been left blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119336 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Guidelines require a background check including alien and judgment search for all entities, the background check forYS XXXXXX, LLC could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX is brand new as of XXXX/XXXX. Business search is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119336 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114662 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | FACTA Disclosure - Missing | XXXX | The FACTA Disclosure (Notice to Home Loan Applicant/Credit Information Disclosure) is missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114662 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required XXXX to validate value or required repairs. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Pictures of installed smoke detectors provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114662 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The loan file is missing verification that the borrower has access to the funds held in trust with XXXX acct #XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached access letter for the XXXX account.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Access letter provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114662 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The audited DTI of XXXX% exceeds the program maximum of50% DTI. The variance is due to lender not assessing a payment to the two XXXX | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, XXXX mos reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2114662 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a condo with deed restrictions. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, XXXX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2114662 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126891 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126891 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization to obtain a credit report and background report XXXX) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX (XXXX% ownership of XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126891 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114665 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114665 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114665 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124341 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2124341 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow loan amount to exceecd original cost pllus improvements purchased on XX/XX/XXXX and will have XXXX months as of XX/XX/XXXX. XXXX guidelines require maximum loan amount may not exceed subject's acquistion cost plus documented improvements when owned great than XXXX months but less than XXXX months. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, XXXX year plus credit history, borrowers each own a primary residence and are experienced investors, currently managing XXXX rentals. Borrowers will have great than XXXX months reserves, and XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2124341 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124341 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124340 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124340 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Perthe guidelines, a background report including a liens and judgments search isrequired on the borrowing entity. The file is missing the requireddocumentation for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124340 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114663 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a non-compliant HPML due to the following: Appraisal requirements have not been met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Appraisal receipt uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The loan is a compliant Federal HPML, Appraisal requirements have been met. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114663 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions; Abstract / Title Search Fee $XXXX, Closing ProtectionLetter Fee $XXXX, Courier / Messenger Fee $XXXX, XXXX Fee $XXXX, Funding, Wire, or Disbursement Fee $XXXX, Lender's Title Insurance Policy $XXXX, Title Endorsement Fee $XXXX, Title Examination Fee $XXXX, Recording Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial LE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114663 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; However it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114663 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114663 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached initial LE dated XXXX.XXXX. Please retest fees as it should also clear the remaining TRID conditions for this file.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114663 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: Points - Loan Discount Fee $XXXX, Mortgage Broker Fee $XXXX,Underwriting Fee $XXXX, AppraisalFee $XXXX, Appraisal Review Fee $XXXX, Credit Report Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial LE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114663 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114663 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126895 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126895 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126895 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114672 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114672 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing verification of terms of repayment, and proof of HOI, for the refinance of the property at XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114672 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124339 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Loan Agreement. Notary section of document has been left blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached APA approved by managment to use.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The All Purpose Acknowledgment is attached the Loan agreement- please escalate <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> SEE ATTACHED SPECIFIC TO XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. TheABA provided does not indicate what document the Notarization is attached to; please provide the Notarized Loan Agreement orhave the portion of the ABA indicating what document was notarized filled out. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. A General APA withoutthe description of the document being notarized is not an acceptable cure. Please provide an updated APAwith the document description with changes initiated by the notary or anotarized Loan Agreement for review. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124339 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2124339 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for changes to the entity after application date. Considered non-material based on compensating factors (waived) | Waived |  |  |  | Compensating Factors: XXXX mos reserves, Low LTV |  | 2 | 2 | 3 | 2 |
| XXXX | 2124339 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114668 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114668 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114668 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124337 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Loan Agreement-Exhibit B. The borrowers signature is missing from document. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED EXHIBIT B<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124337 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Loan Agreement-Exhibit B. The date of execution of this document was left blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED EXHIBIT B.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124337 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124337 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124337 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114670 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2114670 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | The loan file reflects the borrower's primary is mortgaged. We received the mortgage statement and property tax statement for primary; which reflects the payment is not escrowed for taxes and insurance. The HOI policy for the primary is missing from the loan file and is needed to determine the full primary housing expense. Additionally, the mortgage statement for investment properties XXXX XXXX and XXXX Declaration were not included in the loan file and will be need. If hazard insurance for these properties are not escrowed in the monthly payment then the HOI policies will also be needed to determine the complete housing expense for each property. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114670 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided to proceed with Cash-Out refi for subject property listed for sale within the last XXXX days. Determined non-material based on compensating factors. (Waived) | Waived |  |  |  | Compensating Factors: XXXX, Excess Reserves greater than XXXX months. |  | 2 | 2 | 3 | 2 |
| XXXX | 2114670 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121316 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2121316 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pg XXXX of XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121316 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121316 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121317 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2121317 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pg XXXX of XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121317 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. Pg XXXX-XXXX of the XXXX-XXXX Rider has parts that are illegible. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> pg XXXX-XXXX of rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121317 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121317 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119339 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2119339 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | There is an executed Guaranty Agreement in the loan file for the borrower, the borrower lives in XXXX which is a community property state the Guaranty Agreement also needs to be executed by the spouse which was not located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> this is not required anymore. please see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119339 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119342 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2119342 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception request to allow no proof of XXXX months rent receipts without proof as per paid in cash as per lease agreement. AHL guidelines require proof of XXXX months rent receipts. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, |  | 2 | 2 | 2 | 2 |
| XXXX | 2119342 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114671 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HOEPA (High Cost)/Points & Fees | XXXX | The loan failed the high-cost mortgage (HOEPA) points and fees threshold test due to the following: The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included: Loan Origination Fee-$XXXX, Mortgage Broker Fee (Indirect)-$XXXX, Points - Loan Discount Fee-XXXX. . | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114671 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114671 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114671 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114671 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119341 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2119341 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119341 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2121319 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121319 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121319 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121318 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121318 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121318 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114673 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Exhibit C Description of Property is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED LEGAL<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114673 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114673 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Points - Loan Discount Fee paid $XXXX, Flood Certification - Single Charge or Life of Loan $XXXX, Loan Origination Fee paid $XXXX, Prepaid Interest $XXXX, Processing Fee - Third Party Verification Fees [Processing Fee] $XXXX, Settlement or Closing Fee $XXXX. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED CD<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED TO CURE THE FAIL<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The CD issued on XX/XX/XXXX was in the original loan file and included in testing. A cost to cure int eh amount of $XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2114673 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114673 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121320 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121320 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121320 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105029 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105029 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2105029 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124336 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Notary Acknowledgement. The notary did not disclose if the acknowledgement occurred by means of physical presence or online notarization. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> THIS WAS CORRECTED AT CLOSING - SEE ATTACHED XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124336 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2124336 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to proceeds with open judgment with proof of escrow and fully esecduted T47 affidavit. XXXX guidelines all open judgments affexting title must be paid off at or prior to closing. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, XXXX XXXX%, excess reserves, low LTV, and XXXX years at primary residence. |  | 2 | 2 | 3 | 2 |
| XXXX | 2124336 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124342 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124342 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement Exhibit B is missing the date of 'intent to be legally bound.' | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124342 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines state if the loan is a cash-out refinance and the borrower is living rent free verification of XXXX months rent paid to the borrower must be verified which was not located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> To clarify, XXXX months rent receipt from tenant to borrower, as landlord, are required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Upon further Senior Management review the XXXX receipt was provided and the amount, name the funds are coming from is the renter and note on receipt showing rent for subject was provided as well as the asset account the funds were coming from. The asset account snippet does not show the name of the account holder but there is enough information to establish this is from the renter. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124342 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Occupancy | XXXX | Per the final XXXX the borrower is living rent free but the rent free letter was not located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124342 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124356 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2124356 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a borrower XXXX who lives at his primary residence rent free and within XXXX miles of the subject Property. Per XXXX guidelines borrower is not eligible when borrower is living rent-free, and the subject property is within XXXX miles of the primary residence. The subject property is within XXXX miles of the subject. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2124356 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124353 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124353 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124353 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126894 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2126894 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary did not acknowledge if the signing happened 'online' or 'before them'. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126894 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2126894 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the final XXXX dated XX/XX/XXXX the borrower has a foreclosure, the property address is liXXXXXXX # XXXX Paulsboro, XXXX XXXX the foreclosure is dated as XX/XX/XXXX. Guidelines state if the borrower has a foreclosure it cannot be within the past XXXX months, there was no additional property or foreclosure information located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per XX/XX/XXXX date on attached property profile, Rescission Of Lis Pendens/Notice Of Default/Notice was issued. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126894 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126896 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126896 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126896 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124352 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124352 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note incomplete: The Loan Agreement Exhibit B is missing the date of 'intent to be legally bound.' | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124352 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124352 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114681 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114681 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114681 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119340 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The latest HUD has not been signed by borrower or stamped as final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2119340 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2119340 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines require all guarantors to provide the following: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization to obtain a background report XXXX) Identification documentation. The required documentation for XXXX could not be located within the loan file. (XXXX% ownership of XXXX, LLC). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> guarantor docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119340 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126898 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2126898 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - DTI | XXXX | The subject loan does not meet Investor Program Parameters for DTI. The audited XXXX XXXX% exceeds program limits of XXXX%. DTI variance due to lender grossly miscalculating REO liabilites. Per the final XXXX the lender did correctly associate mortgages, taxes, insurance etc to each corresponding property. However the lender failed to assess any actual liability to each property. In the REO section for most of the REO's the Net Monthly Rental income is simply blank. A positive number would inicate income, a negative would be a loss, a zero would be a XXXX/ break even but simply being blank shows nothing was actually associated to each property despite the actual mortgage being listed under its collateral. In addition its standard for an origination system to NOT count mortgages in liabilites therefore no PITIA was assess for any property. The borrowers qualifying income is 22K/XXXX while total PITIA liabilties are in excess of XXXX per month | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The excluded mtgs are included in the income calcs. We used the XXXX% expense factor to account for all business expenses related to the rentals. You can see the mortgage payments being pulled from the XXXX XXXX statements. This is standard practice as this product is similar to our Rising Star Business Purpose loans. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126898 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow a property with land exceeding XXXX acres. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, Experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2126898 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124357 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124357 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124357 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124351 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement Pg XXXX has a missing borrowers initials. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124351 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124351 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124355 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124355 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement Exhibit B is missing the date of 'intent to be legally bound'. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exhibit B with date<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124355 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Notary did not sign, date, or stamp the Loan Agreement Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pg XXXX of XXXX signed by notary<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124355 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124355 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119343 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2119343 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119343 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124364 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124364 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124364 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124362 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124362 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required Entity documentation, the XXXX for the entity, XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> articles of inc uploaded <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> articles of org<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing Articles of Organization. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124362 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114680 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Appraisal Desk Review Fee, Compliance Fee, However, these fees should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114680 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The file is missing the verification of taxes and insurance for the borrowers property located at XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED VERIFICATION OF DEBTS<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114680 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached email from agent , confirming all perils coverage.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114680 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The file is missing the required Undisclosed Debt Verification doc. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The Credit report was pulled within 10days of closing.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Credit report in file was pulled within XXXX days of closing therefore a gap report would not be required. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114680 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The guidelines state XXXX months bank statements are required for self employed business. The file is missing the required bank statements for both XXXX and B2 self employed businesses. A lender Exception was provided to allow for the missing bank statements. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating factors: Borrowers have a XXXX and the subject has an LTV of XXXX%. |  | 2 | 2 | 3 | 2 |
| XXXX | 2114680 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124363 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124363 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124363 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2114618 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HOEPA (High Cost)/Points & Fees | XXXX | This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR§1026.32(a)(1)(ii)(A), (B)) The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following points and fees were included in the calculation: Mortgage Broker Fee $XXXX, Points - Loan Discount Fee $XXXX, Processing Fee $XXXX, Underwriting Fee $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114618 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing verification of terms of repayment for the refinance for the property at XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114618 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE/Missing | XXXX | A VOE is missing from the loan file. The loan file is missing a VOE for the co-borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114618 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126897 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2126897 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the XX/XX/XXXX and XX/XX/XXXX statements for XXXX #XXXX which are needed to complete a consecutive XXXX mo history. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126897 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124361 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2124361 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing the background check for the Entity that includes a search for liens and judgments. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached UCC search for XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124361 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121323 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121323 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception to proceed wiht the loan being XXXX months short for reserves. XXXX guidelines require XXXX months reserves that are required on a loan amount that exceeds $,XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, low DTI |  | 2 | 2 | 2 | 2 |
| XXXX | 2121323 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121321 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2121321 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing to continue in a project that has a right of first refusal deed restriction. XXXX guidelines properties with deed restrictions are ineligible with the exception to properties with age requirements. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Years at present address XXXX plus years, fico XXXX and a XXXX year credit history. |  | 2 | 2 | 2 | 2 |
| XXXX | 2121321 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114615 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. This fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114615 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to waive the requirement in XXXX to have inspections performed on balconies every 9yrs. The property is a Townhome set up under a condo association. There are no balconies present therefore no inspection was required. (resolved). | Resolved |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114615 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file does not contain the most recent (prior to application) XXXX months of business bank statements. There are only XXXX mos statements in file for XXXX XXXX ranging from XX/XX/XXXX-XX/XX/XXXX. Initial application occurred on XX/XX/XXXX meaning that the XXXX statement was available. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see XXXX mo of XXXX XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114615 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow XXXX% interested party contributions on a XXXX% LTV loan. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2114615 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124358 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2124358 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow co-insurance. AHL guidelines requirement is that co-insurance is not accepted. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX XXXX, borrower is an experienced investor and the XXXX XXXX%. |  | 2 | 2 | 2 | 2 |
| XXXX | 2124358 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126901 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126901 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126901 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2114683 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2114683 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114683 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119346 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2119346 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119346 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126900 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2126900 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The State of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2126900 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126900 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114613 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The Security Instrument was not completed accurately. The Notary did not disclose if the borrower personally appeared before them or online notarization. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached recorded affidavit correcting the notary acknowledgment. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114613 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX5 does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114613 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing verification that the borrower is a majority member of XXXX XXXX which is the vested entity showing on the final HUD from the sale of XXXX, the proceeds of which are needed to make up a $XXXX shortfall in reserves. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX months reserve required not XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Upon further review the other HUD in file had nothing to do with subject loan. Six months reserves were required not XXXX therefore assets provided from XXXX account was sufficient for cash to close and reserves. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114613 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119345 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State & Local Predatory Lending | XXXX | This loan failed the points and fees threshold test due to one of the following findings: (XXXX HB XXXX, XXXX. Code Ann., Com. XXXX). The date creditor received application is on or after XX/XX/XXXX, and the loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. Fees included in the test: Appraisal Review Fee $XXXX, Mortgage Broker Fee $XXXX, Points $XXXX and Underwriting Fee $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2119345 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception for missing the registration receipt card i-551 (conditional permanent resident card) that has an expiration date on the back and is accompanied by a copy of the missing filed ins form i-751 (petition to remove conditions). Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX XXXX, borrower has no mortgage lates and has owned current primary residence for over XXXX years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2119345 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception to allow XXXX% DTI with a LTV of XXXX%. XXXX guidelines XXXX% maximum DTI when LTV is greater than XXXX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX XXXX, borrower has no mortgage lates and has owned current primary residence for over XXXX years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2119345 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception to allow to proceed using XXXX% of the XXXX rents. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX XXXX, borrower has no mortgage lates and has owned current primary residence for over XXXX years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2119345 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126899 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126899 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement Exhibit B was not signed by the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exhibit b<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126899 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126899 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121325 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2121325 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2121325 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XXXX /XXXX/XXXX which supports the apprised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119344 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2119344 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119344 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2121324 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2121324 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2121324 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124365 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124365 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124365 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124365 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119347 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2119347 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2119347 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The loan file is missing proof of receipt of gift funds ($XXXXfrom XXXX // $XXXX from XXXX) either into the borrowers bank account or wired directly to title. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached all wire received by the escrow company. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2119347 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close - Evidence of Liquidation | XXXX | The loan file is missing proof of receipt of liquidated XXXX of $XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The 401k was used strictly to satisfy the reserve requirement. No funds were withdrawn from the account. All closing funds originated from the borrower&#XXXX;s personal account & the personal accounts of two donors.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. W/D Terms in file. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2119347 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow XXXX% LTV despite property being in a declining market and borrower receiving gift. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, good employment history |  | 2 | 2 | 3 | 2 |
| XXXX | 2119347 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow DTI over XXXX% for a FTHB. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, good employment history |  | 2 | 2 | 3 | 2 |
| XXXX | 2119347 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126902 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2126902 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2126902 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126902 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114632 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114632 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided to allow DTI to exceed max allowed of XXXX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess Reserves greater than 30K, Bwr lived in primary for XXXX+ years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2114632 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124371 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2124371 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow cash out refinance to proceed with out a XXXX day seasoning . Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors : XXXX XXXX yr credit history experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2124371 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121326 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2121326 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the final hud-XXXX for the bridge loan for property address XXXX for the primary residence. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121326 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing for a property that is in a rural area. XXXX guidelines state rural properties are ineligible and require management review and approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, residual income greater than five thousand, years at present address greater than XXXX years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2121326 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception to allow increased LTV to XXXX%. AHL guidelines state declining markets to lower the LTV by XXXX% and DTI XXXX% maximum when lTV is equal to or less than XXXX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, residual income greater than five thousand, years at present address greater than XXXX years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2121326 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121357 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121357 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The preliminary Closing Disclosure reflected a Gift of Equity in the amount of $XXXX. Per the Gift of Equity guidelines only Full Documentation or Bank Statement Documentation loans are allowed and this loan is a DSCR. In addition, GOE only allowed on primary residences and subject is an investment property. Noted, the file is missing the Gift of Equity letter which would be required under the allowed programs and occupancy. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception for this was approved. see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121357 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124370 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. HUD-XXXX was not signed by borrower or stamped as Final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124370 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124370 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124370 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124369 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2124369 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow XXXX weeks short of a full XXXX months history for borrower's primary. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors XXXX months reserves and XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2124369 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow XXXX when minimum required is XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors:XXXX months reserves dscr XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2124369 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan files contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124368 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2124368 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan has a prepayment term. (XXXX Comp. Laws Ann. §438.31c(2)(c) Under XXXX Comp. Laws Ann. §438.31c(2)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment fee or penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time. The Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2124368 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124368 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119348 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2119348 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119348 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126907 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126907 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Exhibit B of the Loan Agreement is missing the date of 'intent to be legally bound.' | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED LOAN AGREEMENT WITH DATE AND SIGNED BY LENDER<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126907 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126907 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124366 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2124366 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization to obtain a credit report and background report as well as identification documentation. The loan file contains identification documentation; however, is missing all other documentation for XXXX, XXXX, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing No-Hit results for all three. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124366 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow over $XXXX cash to borrower on a cash-out refinance when the LTV exceeds the maximum XXXX%. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factots: XXXX, Reserves XXXX+ mons |  | 2 | 2 | 3 | 2 |
| XXXX | 2124366 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Guidelines state on a cash-out refinance being utilized as a short-term rental the max LTV is XXXX% but the loan closed at XXXX% LTV. Long-term rent may be utilized, but the subject property is still a short-term rental the max LTV is XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2124366 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119349 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. The final printed HUD-XXXX that was provided was not singed by borrower and had been marked up. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2119349 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2119349 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required ACHthat is required on all cash out refinances with an LTV greater than XXXX%. Additional conditions may apply. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Subject is a purchase and not cash out.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Subject is a purchase and ACH is not required. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119349 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required entity background search for the entity, XXXX, to include liens and judgments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED..<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Background check completed, subject was new entity therefore nothing to show. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2119349 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121327 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2121327 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2121327 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124367 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124367 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124367 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119350 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a non-compliant HPML. Appraisal requirements have not been met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Request to advise to the appraisal requirement breach. What items are required to clear this pend.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see the PoD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide evidence of the Borrower receiving a copy of the Appraisal XXXX days prior to closing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The loan is a compliant Federal HPML, Appraisal requirements have been met. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119350 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119350 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121328 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2121328 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with XXXX meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of this documentation for the non-borrowing guarantor, XXXX, as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121328 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124372 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2124372 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2124372 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124372 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114633 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: Closing Protection Letter Fee $XXXX, Courier/ Messenger Fee $XXXX, Lender's Title Insurance Policy $XXXX, Settlement or Closing Fee $XXXX, Title Examination Fee $XXXX, Wire Transfer Fee $XXXX, Recording Fee $XXXX. A cost to cure in the amount of $XXXX.is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> initial LE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114633 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114633 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114633 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> initial LE sent XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114633 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (prior to consummation) | XXXX | The loan failed the Initial Loan Estimate delivery date test (prior to consummation). The Initial LE issued on XX/XX/XXXX is less than XXXX business days before the Consummation Date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(B) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> initial LE sent. borrower shopped for title<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114633 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: Points - Loan Discount Fee $XXXX, Mortgage Broker Fee $XXXX, Underwriting Fee $XXXX, Appraisal Fee $XXXX, Appraisal Review Fee $XXXX, Credit Report Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was deliered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> initial LE sent <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114633 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow a cash out refi at XXXX% LTV with only XXXX months reserves. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, good residual income (7K+) |  | 2 | 2 | 3 | 2 |
| XXXX | 2114633 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. he loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114634 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | FACTA Disclosure - Missing | XXXX | The FACTA Disclosure (Notice to Home Loan Applicant/Credit Information Disclosure) is missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2114634 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was:XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114634 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX COMAR higher-priced mortgage loan test. (XXXX COMAR 09.03.06.02B(XXXX), XXXX. The date rate set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. . | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114634 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114634 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119351 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2119351 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2119351 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119351 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124311 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2124311 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary Acknowledgement did not disclose who was present nor if identification was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124311 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for a cash out refi with a XXXX. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX mos reserves, Experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2124311 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126904 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126904 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126904 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2114635 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114635 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114635 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the required final hud-XXXX for the net proceeds from real estate assets. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached Bridge CD evidencing funds to close.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114635 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126903 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126903 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126903 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124313 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124313 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124313 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119352 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2119352 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The XXXX has listed XXXX while vesting is under XXXX. There is no completed deed transfer in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119352 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119352 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119353 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2119353 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119353 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124375 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2124375 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines state the lesser of the lease amount or market rent amount is to be utilized to calculate the DSCR. The higher amount of the lease was utilized but copies of the cancelled check for the rent of $XXXX and the cancelled check for the deposit of $XXXX were not located within the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124375 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow the use of the lease amount instead or market rent with verification of XXXX months rent when XXXX months are required. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX+ reserves, Owned primary XXXX+ years |  | 2 | 2 | 3 | 2 |
| XXXX | 2124375 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119354 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2119354 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119354 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126906 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126906 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | According to guidelines all properties must not contain any health or safety issues. The appraiser indicates that the swimming pool needs to be drained totally or covered as it present a health and safety hazard as is. No evidence was provided to indicate the pool has been drained or covered. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> picture of pool covered<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126906 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The subject closed as a delayed purchase. According to guidelines the loan to value is based on the lower of the appraised value or total cost. In this case the lower is the total cost of $XXXX resulting in an LTV of XXXX which exceeds the maximum allowable of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The Final CS and the Scope of work were provided Final CS $XXXX Improvements $ XXXX Total $ XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126906 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a cda XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121329 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2121329 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary did not acknowledge if the singing was completed in 'physical presence' or 'online'. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121329 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121329 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124312 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124312 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124312 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126909 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2126909 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow for a listing within XXXX days of this application date. XXXX guidelines state listing must be cancelled XXXX days prior to the application date for a cashout refinance. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, the borrower has a strong profile of investment properties owned with high fico XXXX, and the subject property has a XXXX XXXX% with the monthly rental payments. |  | 2 | 2 | 2 | 2 |
| XXXX | 2126909 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124374 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2124374 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a cashout refinance to proceed without XXXX days seasoning. Subject property listing was removed XX/XX/XXXX and loan's application date was XX/XX/XXXX only XXXX days. AHL guidelines states any recent property listing must be canceled XXXX days (XXXX) prior to the loan application date for a cashout refinance. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Borrower has XXXX years plus credit history and has lived and owned his primary residence for XXXX years. Cash in hand will provide the borrower with greater than XXXX months excess reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2124374 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124373 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2124373 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more). The following are required for XXXX: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship. XXXX) An authorization for a credit report and background report. XXXX) Identification documentation must be provided as in a driver's license, passport, or similar | Cleared |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2124373 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow the use of short term income using proof of operating an STR in another market. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2124373 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value . | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121331 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121331 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121331 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124314 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124314 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124314 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2121332 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Loan Agreement Notary Acknowledgement. The notary did not disclose if the acknowledgement occurred by means of physical presence or online. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached affidavit.. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121332 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2121332 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121332 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119355 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2119355 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119355 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121330 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2121330 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2121330 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126873 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126873 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126873 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a second full appraisal that supports the qualifying/ appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2124327 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2124327 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Missing XXXX month primary housing history. The loan file contains a printout labeled XXXX is $XXXX per month and the printout amounts vary from $XXXX - $XXXX. No lease or VOR was provided to confirm. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124327 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for to allow a XXXX day extension for expired credit report. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors: XXXX , credit history over XXXX years, experienced investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2124327 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121334 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: XXXX, MDIA, XXXX, XXXX, QM DTI Threshold, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached. Cash to borrower $XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121334 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2121334 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required entity background search for the entity, XXXX, to include liens and judgments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121334 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception. The borrower does not own a primary residence and has owned subject investment since XXXX/XXXX. This does not mee the investor experience guidelines. XXXX guidelines require borrower to own subjet investment property for XXXX months during the last XXXX years and borrower has not owned for XXXX months. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Years at present address seven, DSCR XXXX percent, LTV XXXX percent, XXXX XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2121334 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119357 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119357 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the required XXXX Final Hud-XXXX for the Bridge loan to determine the assets from the brdige loan for closing the new loan. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached Bridge CD to evidence funds to close.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2119357 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119359 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2119359 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119359 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119358 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2119358 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Financed Properties | XXXX | The loan file contains a lender exception to allow financing of XXXX properties on the same neighborhood block, the borrower has additional XXXX financing XXXX, XXXX XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX+ mons PITI, XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2119358 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126912 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126912 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126912 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114630 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: XXXX Fee $XXXX, Lender's Title Insurance Policy $XXXX, Settlement or Closing Fee $XXXX, Title Courier Fee $XXXX, Title Endorsement Fee $XXXX and Title Policy Guaranty Fee (XXXX only) $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> initial LE <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114630 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2114630 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> initial LE<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114630 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Points - Loan Discount Fee $XXXX, Mortgage Broker Fee $XXXX, Underwriting Fee $XXXX, Appraisal Fee $XXXX and Appraisal Review Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> initial LE <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114630 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of HOI for XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> tac and insurance included with payment. please see attached explanation<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114630 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a rural property. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX mos reserves, XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2114630 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124318 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124318 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required background check on the entity, XXXX, to include liens and judgments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124318 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains the CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126914 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126914 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126914 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124317 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Note has been provided; please provide the Lender Executed Loan Agreement for review (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2124317 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan contains a lender exception to allow the landlord written receipts for proof of rental payments made. Borrower pays cash. AHL guidelines state cannot use landlord written payment receipts for proof of landlord payment. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX XXXX, established investor, excess reserves $XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2124317 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124328 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124328 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124328 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119356 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2119356 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119356 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124316 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124316 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124316 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124315 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124315 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124315 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126911 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement Exhibit C has been left blank. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126911 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126911 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX5, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119362 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2119362 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119362 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126915 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126915 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126915 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126916 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term which does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX months prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2126916 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an exception to allow verification of rent paid by the borrower be verified via receipts borrower pays cash. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Experienced Investor, LTV XXXX% less than max allowed |  | 2 | 2 | 2 | 2 |
| XXXX | 2126916 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119360 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2119360 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2119360 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126913 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 4 | 1 |
| XXXX | 2126913 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | Guidelines require the reserves and funds to close be seasoned for XXXX days, meaning XXXX consecutive months bank statements within XXXX days of the Note. There is a statement for XX/XX/XXXX and XX/XX/XXXX but the XX/XX/XXXX statement for the XXXX XXXX ending in XXXX all pages verifying all large deposits was not located within the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached Nov statement.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2126913 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2126910 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126910 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The loan file contains a Lender Exception for a transferred appraisal not completed on the XXXX-A appraisal form for a XXXX-XXXX unit property type which requires management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX+ mons PITI, Experienced investor |  | 2 | 2 | 2 | 2 |
| XXXX | 2126910 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126919 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126919 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126919 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124329 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124329 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124329 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2121335 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2121335 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow XXXX on a rate and term refi. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX (lower of the XXXX mid scores), XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2121335 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to use the higher mid score of the two borrowers for qualifying. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX (lower of the XXXX mid scores), XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2121335 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124331 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124331 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization to obtain a credit report and background report XXXX) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX (XXXX% ownership of XXXX, LLC). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124331 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124343 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124343 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary did not acknowledge who appeared before them and how they verified their identity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> deed is notarized correctly. i have attached the notarized corrected docs.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124343 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124343 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2119363 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119363 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for an expense factor below XXXX%. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2119363 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for DTI XXXX a FTHB. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2119363 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for the appraisal having no comps outside the subjects project. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2119363 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126917 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2126917 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2126917 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary did not acknowledge if the person was 'known' to them or if identification was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126917 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow borrower living rent free purchasing subject property within XXXX miles of their residence. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess Reserves greater than XXXX months, Experienced Investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2126917 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121333 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2121333 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | This is a cash-out refinance at XXXX% LTV guidelines require an executed ACH form which was not located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121333 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124330 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2124330 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The lender used assets from the borrower's XXXX. Guidelines require terms of withdrawal when assets from a retirement account are being used. No documentation was provided to confirm terms of withdrawal. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2124330 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow a purchase transaction at XXXX % LTV for a borrower with a XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | comp factors dscr XXXX, experienced investor. |  | 2 | 2 | 3 | 2 |
| XXXX | 2124330 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan files contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124333 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124333 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | According to guidelines an ACH is required for cash out refinances with an LTV greater than XXXX%. The subject closed at XXXX% LTV and no ACH was provided in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ACH <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124333 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126865 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126865 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2126865 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee, Flood Certification Fee. However, these fees should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2126865 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a borrower with no current housing expense. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Low LTV, Low DTI |  | 2 | 2 | 2 | 2 |
| XXXX | 2126865 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a rural property. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Low LTV, Low DTI |  | 2 | 2 | 2 | 2 |
| XXXX | 2126865 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2119361 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2119361 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a borrower self employed less than XXXXyrs. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2119361 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126863 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The lender signature has been provided and sufficient to cure the exception. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126863 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a background check including a judgment and lien search. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126863 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126866 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126866 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Other. According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with XXXX meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX XXXX was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126866 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126864 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126864 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Mortgage is missing Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126864 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide thefollowing: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship XXXX) An authorization to obtain a credit report and background report XXXX) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX XXXX (XXXX% ownership of XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide No-Hit results. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126864 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126918 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126918 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126918 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126880 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126880 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Repairs | XXXX | The appraisal photos of the front and back of the subject property reflect bars on the windows, but there are no appraiser comments regarding safety release latches/slides which are required or for the bars to be removed from all windows. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached - p.XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126880 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126867 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2126867 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow XXXX% LTV on delayed financing without owning a rental for XXXX months. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, Favorable DSCR XXXX% |  | 2 | 2 | 3 | 2 |
| XXXX | 2126867 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines a completed ACH form is required for a cash-out refi with an LTV greater than XXXX%. The completed ACH form is missing from the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, Favorable DSCR XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2126867 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126882 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126882 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126882 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126869 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126869 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126869 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126881 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CORRECT SIGNED FINAL HUD <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Correct HUD Provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The final HUD provided is for a different property. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The ALTA provided is seller only. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The HUD provided is sufficient to clear teh exception. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2126881 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2126881 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan has a prepayment term. (XXXX Comp. Laws Ann. §XXXXc(XXXX)(c)Under Mich. Comp. Laws Ann. §438.31c(2)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment feeor penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee orpenalty at all thereafter, or prohibit prepayment at any time. The borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2126881 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126881 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126870 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2126870 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan has a prepayment term. (XXXX Comp. Laws Ann. §438.31c(2)(c) Under XXXX Comp. Laws Ann. §438.31c(2)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment fee or penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2126870 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126870 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124334 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124334 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124334 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126868 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2126868 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow an LTV of XXXX% fora first time investor. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2126868 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2124344 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124344 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124344 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124344 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126885 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2126885 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower XXXX is XXXX%/XXXX%owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by oneor more owners representing a majority ownership (XXXX%). The loan filecontained the signed XXXX signed by one or more ownersrepresenting a majority ownership (XXXX%). The loan file contained thesigned Personal Guaranty by both guarantors as required. However, theloan file did not contain XXXX) a limited application that includes, name,address, date of birth, social security number and citizenship XXXX) authorizationfor credit report, XXXX) background check. Additional conditions may apply | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached guarantor package<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> All documents required for XXXX a nonborrowing guarantor have been provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126885 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX-unit being below XXXX square feet. XXXX guidelines require minimum XXXX square feet. Determined non material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico XXXX and is XXXX points greater than minimum fico score, XXXX XXXX%, and borrower has lived in primary residence for XXXX plus years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2126885 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow with a XXXX-XXXX-unit STR. XXXX guidelines state ineligible short term rental property type XXXX-XXXX units are ineligible. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico XXXX and is XXXX points greater than minimum fico score, XXXX XXXX%, and borrower has lived in primary residence for XXXX plus years. |  | 2 | 2 | 3 | 2 |
| XXXX | 2126885 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124347 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2124347 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file contains a lender exception to allow the use of a credit report in another lenders name then transferred to XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Good FICO, XXXX mons reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2124347 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file contains a lender exception to allow the master condo policy to have co-insurance which guidelines do not allow. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Good FICO, XXXX mons reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2124347 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126884 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126884 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower XXXX was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the Guaranty for both guarantors. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship, XXXX) authorization for credit report XXXX) background check and XXXX) picture XXXX as a driver's license, passport, or similar for the non-borrowing guarantors as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126884 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126886 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126886 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126886 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126874 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126874 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal is in the name of XXXX not XXXX, guidelines state an appraisal transfer letter which was not located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> transfer letter<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126874 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The loan file contains a lender exception to allow a transferred appraisal on a cash-out XXXX-XXXX unit property. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX, XXXX+ mons reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2126874 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines state the borrower must have XXXX months experience with a XXXX+ unit property, the subject was purchased XX/XX/XXXX which is only XXXX months, XXXX days, the other properties owned are SFR's. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception uploaded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX, XXXX+ mons reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2126874 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2124348 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124348 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary did not acknowledge who appeared before them or how they verified their identity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> the security instrument is signed and filled out correctly.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124348 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124348 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124345 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124345 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124345 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124350 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124350 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing the entity background check to include a lien and judgements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124350 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126920 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126920 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126920 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124346 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2124346 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124346 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126887 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126887 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The required background check for XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126887 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126883 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2126883 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The required background check for XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126883 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126921 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2126921 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines a completed ACH form for cash out refinances with an LTV greater than XXXX% is required. The loan file is missing the completed ACH form. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126921 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2126922 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126922 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126922 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126928 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126928 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126928 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which support the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126924 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126924 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126924 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2124349 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2124349 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PG XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2124349 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124349 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2124359 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2124359 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2124359 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception to allow rentfree for first time home buyer, not rental history. XXXX guidelines require a XXXX-month rental history reflecting 0x30. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factor: XXXX XXXX, borrower has a great credit history, low DTI based on income received and XXXX months plus reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2124359 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception to allow sixmonths employment history. Borrower is a doctor of XXXX months after finishing field of education. XXXX guidelines require XXXX years of employment history. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factor: XXXX XXXX, borrower has a great credit history, low DTI based on income received and XXXX months plus reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 2124359 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2126927 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126927 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126927 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126923 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126923 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126923 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126925 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2126925 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126925 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2126926 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126926 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines a background check for the entity that includes a search for judgments and liens is required. The required background check is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126926 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide a limited application that includes their name, address, date of birth, social security number, and citizenship. In addition an authorization to obtain a credit report and background report must be provided. The loan file is missing the required documentation for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor docs with background<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126926 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121422 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No loan agreement is needed, docs include the note, mortgage, and guaranty, Settlement statement.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121422 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Consolidation, extension, and modification agreement) is incomplete: The property type box was not checked on page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached recorded mortgage, page XXXX of the PDF shows the checkbox for property type.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121422 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Pg XXXX of XXXX is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached recorded mortgage, page XXXX of the PDF shows page XXXX of XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121422 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The Operating Agreement and EIN do not reflect the Guarantor is XXXX% owner or sole member. Documentation confirming the percentage of ownership is required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Bylaws attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121422 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The CDA contained in the loan file supports value; however, the CDA is dated XX/XX/XXXX. The appraisal is dated XX/XX/XXXX. A CDA predating the appraisal is invalid. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2103419 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2103419 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2103419 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2108232 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2108232 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2108232 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121419 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121419 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Previously Listed for Sale | XXXX | The guidelines indicate properties that have been listed for sale within the past six (XXXX) months of application date will require a LOE from the XXXX. The property was listed for sale XX/XX/XXXX which is < XXXX months from the XX/XX/XXXX application date. The loan file is missing an LOE from the XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE from the Borrower attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121419 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121423 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121423 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121423 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file contains a CDA, dated XX/XX/XXXX, which results in a value of $XXXX and a XXXX% variance and does not support value. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We used the CDA value for the LTV calculations on this file. Per ECF Guidelines section XV. Appraisal / Valuation: "If the value derived from the CDA is less than appraised value by XXXX% or more than ECF will use the CDA value for LTV calculations." <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Guides allow the CDA to be used to determine LTV if greater than XXXX% less than the appraisal. Downgraded to EV2. (Acknowledged)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2121418 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121418 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required XXXX to validate value or required repairs. Guidelines require any repair items to be completed prior to closing on all refinances. The appraiser commented that the subject required some minor cosmetic repairs including a broken window and a small amount of tuck pointing/mortar cracks. The loan file contained no evidence that these repairs were complete. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Buyer is waiving the tuck point; see photo evidence of the window being fixed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Photo provided and window has been fixed. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121418 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121424 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2121424 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121424 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2120446 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120446 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120446 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120445 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120445 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120445 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120444 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120444 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX: Special Form - DP3 and covers all perils. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120444 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2103417 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103417 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2103417 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093569 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093569 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2093569 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which support the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2104891 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104891 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104891 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The loan file contains a lender exception for LTV for a first time home buyer (FTHB). The borrower is a FTHB living rent free with family. Investor guidelines limit LTV for FTHB to XXXX% with the subject property at XXXX% exceeding. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception approval for FTHB living rent XXXX) with XXXX% ltv vs. XXXX% ltv max. Comp factors: credit score XXXX points> minimum required- XXXX. DTI <=XXXX%(or XXXX% below max required if lower dti required) XXXX% (XXXX%). Residual income more than XXXX times the amount required by guidelines ($XXXX) GL $XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Good reserves XXXX months- Good Credit history/XXXX DTI 3 2 3 2 |  |  |  |  |  |
| XXXX | 2104891 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which support the appraised value. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104892 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104892 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The final XXXX reflected borrower has no primary housing expense. The investor guidelines required a XXXX month housing history for borrower's primary residence. An LOE indicating borrower lived rent free or a property profile report for the primary residence was not provided to support property was free and clear and property ownership or that borrower was living rent free. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Hello please see the attached certification. Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104892 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Deficiencies | XXXX | The title commitment provided required a Release of Notice of Tax Lien for Exemptions and Assessment Limitation recorded XX/XX/XXXX and proof that the Homestead penalty for XXXX and XXXX were paid. Documentation to support the release of Notice of Tax Lien and proof of payment on homestead penalties for XXXX and XXXX were not provided as required to insure a clear first position on final title. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the final title policy reflecting removal of the items. Moreover, i have provided the final closing disclosure reflecting the payment of XXXX/XXXX penalties under section F (prepaids). Please clear. Thank you.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104892 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2108233 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2108233 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Policy is all perils. Spoke with representative at XXXX-XXXX-XXXX-XXXX who gave rental policy jacket. This document explains it covers all perils except the items in listed exclusions. Exclusions primarily listed starting on pages XXXX and XXXX. Representative confirmed this jacket applies to policy number XXXX. Condition satisfied<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2108233 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121425 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121425 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121425 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121426 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121426 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121426 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121420 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121420 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The Borrower was required to evidence $XXXX for the subject transaction, to include $XXXX EMD, $XXXX closing funds and $XXXX PITI Reserves ($XXXX x XXXX). The file contains an asset statement verifying $XXXX. The loan file contains a XXXX IRA account statement reflecting $XXXX. However, IRA assets are only eligible for Borrowers of retirement age. As a result, the Borrower was short $XXXX in closing funds and $XXXX in required reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The borrower took a loan against his XXXX (k) as reflected in the attached statement.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Validated 401k loan per statement provided and meets cash to close and reserve requirements. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121420 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see conversation with insurance agent confirming all perils are covered<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121420 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121421 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121421 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121421 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119365 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119365 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject was a DSCR that closed in the name of an Entity with XXXX individual borrower's. The investor guidelines required a Personal Guaranty from all borrowers on the loan. Personal guaranty from XXXX and XXXX were not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Guaranty<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2119365 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject property is an investment property titled in the name of XXXX. The investor guidelines indicated that first time homebuyers are individuals that have not owned a home or had a residential mortgage in the last XXXX years. Neither of the XXXX borrowers, XXXX and XXXX, on the loan have had ownership in a home in the last XXXX years. Per investor guidelines, first time home buyers are not allowed. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX, $XXXX verified reserves, <br>**  | XXXX. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2119365 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2119366 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119366 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2119366 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123018 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123018 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | The hazard insurance provided in the loanfile does not confirm required perils coverage is included. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> uploaded sample of coverage that applies to all XXXX policies. also uploaded the standard perils listed from XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123018 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> RDA uploaded <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123019 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Page XXXX of the Prepayment Rider is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Recorded DOT <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123019 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123019 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123021 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123021 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123021 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097866 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097866 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097866 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111905 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | ROR - Timing | XXXX | The funding date is before the third business day following consummation. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Final SS shows loan funded XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2111905 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | Additional Finding: XX/XX/XXXX. The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2111905 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111905 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111915 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111915 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111915 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2091207 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091207 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX month prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2091207 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lease agreement in file for Unit XXXX reflects XXXX as the Landlord and not the XXXX XXXX LLC. The loan file is missing a lease agreement with the XXXX as the Landlord or documentation to support the Borrower/Guarantors eligible ownership interest of XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Deed received does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Upon further review, subject loan closed in the name of XXXX LLC but was deeded over to XXXX at closing. Documents for both entities are in file and borrower is XXXX% owner of XXXX. Lease in the name of XXXX is fine. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091207 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard policy provided does reflects the "name insured as "XXXX" and not the borrowing entity "XXXX" It should also be added the evidence of insurance does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Deed received does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Upon further review, subject loan closed in the name of XXXX LLC but was deeded over to XXXX at closing. Documents for both entities are in file and borrower is XXXX% owner of XXXX. HOI in the name of XXXX is fine. Still need verification from HOI Agent or Company that HOI Policy includes All Perils Coverage. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2091207 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA to support the origination appraised value. UCDP in file but no CU score due to being XXXX family property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA provided and supports original appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2090935 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD and audit trail provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2090935 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | The borrower was qualified using the XXXX month bank statement program. The XXXX #XXXX XXXX/XXXX - XX/XX/XXXX bank statement is missing pages XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2090935 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101842 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Lender's title, Notary fee, Recording fee and the addition of title search fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required of which $XXXX was reimbursed at closing. There is a remaining cost to cure in the amount of $XXXX is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> TItle search fee removed from PCCD<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> But the fee was already removed on the final CD, therefore the money was already given back to the borrower <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation and explanation provided is not sufficient to clear the finding.Although there was a valid reason for the increase of recording fee from $XXXX to $XXXX the increase was not accepted because the COC document reflects the change occurred on XX/XX/XXXX; however, the change was disclosed on the revised CD issued XX/XX/XXXX.(Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101842 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Loan Discount points $XXXX. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CIC provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2101842 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101842 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2082098 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | ARM Disclosure - Missing | XXXX | The file contains no evidence that the ARM Disclosure was provided to the borrower. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(b)(1) | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please confirm if this document is typically part of initial disclosures or signed at closing?<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The ARM disclosures is required to signed at or prior to closing. (Upheld)<br>**  |  |  |  | 3 | 3 | 3 | 3 |
| XXXX | 2082098 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD and cert provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2082098 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2082098 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2107735 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107735 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The loan file XXXX% seller concessions maximum is exceeded. Max Contribution allowed is $XXXX, Concession provided is $XXXX Excess contribution is $XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Closing Costs - $XXXX Items paid in advance by the seller - ($XXXX + $ XXXX) Total Costs = $XXXX Credits are less so we should be XXXX - please advise <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2107735 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for DTI XXXX% with XXXX% LTV. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This was cancelled due to DTI being XXXX%<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | Compensating Factors: XXXX, XXXX x XXXX Housing |  | 3 | 1 | 1 | 1 |
| XXXX | 2107735 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FNMA CU Score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121276 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2121276 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121276 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2113826 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary Acknowledgment is missing the Notary Stamp. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DOT provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113826 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2113826 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097745 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097745 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for unleased units in a multi-unit. Per the lender's guidelines maximum two (XXXX) vacancies on XXXX Units. The appraisal reflected all XXXX units were vacant. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; Qualifying DSCR higher than 1.1x and at least 0.1x higher than guideline minimum; Housing payment history is 0x30x24 or better; XXXX newly signed leases for subject effective XXXX/XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2097745 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110658 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2110658 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial Closing Disclosure Timing Test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Discount Points. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2110658 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for approval with the pending HOA Structural repairs report being delayed until XXXX, and for the HOA being in pending litigation. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: LTV XXXX%, Monthly reserves > XXXX mo, DTI < XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2110658 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098745 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The escrow section on the disclosure does not have one of the XXXX boxes checked stating whether the reason they will not have escrows is because they declined it or because the lender does not offer it. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(l)(7). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2098745 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> icd provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098745 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2098745 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2091201 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2091201 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate a XXXX month VOM is required for the subject property and the Borrower's primary residence. The XXXX primary mortgage is held in a Trust (XXXX), however the MERS report reflects the mortgage under the XXXX's name for $XXXX payable to XXXX. The loan file is missing the XXXX months VOM from Select Portfolio Servicing for the Borrower's primary residence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2091201 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2097730 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The escrow section on the disclosure does not have the box checked stating the borrower will not have escrows is because they declined them. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(l)(7). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2097730 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Power of Attorney | XXXX | Per the lender's guidelines the borrower may use an attorney-in-fact, who is an authorized person to act by a power of attorney, to sign documents on their behalf at closing based on certain circumstances, such as active military duty, where the service member is on overseas duty or on an unaccompanied tour and cannot be present to execute loan documents at the closing. To complete the loan transaction using an attorney-in-fact the following requirements must be met: The borrower must explain the hardship for the use of a POA, describing why the borrower was unable to execute documents in person. Additionally, at least one borrower on the transaction must physically sign the loan documents unless the borrower is military service member on active duty and the attorney-in-fact is the service member's relative. The letter of explanation does indicate there is a hardship, only stating he is traveling outside the US for personal reasons. Furthermore, the borrower does not indicate he is in military service, and he is the sole borrower; therefore, use of a POA was not allowed. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX% DTI, $XXXX verified reserves, Self employed XXXX years<br>**  | XXXX. XXXX% LTV. $XXXX per month residual income. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2097730 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | A review of the final CD reflects the borrowers did not escrow for property tax and insurance. Per the lender's guidelines to be eligible for a waiver of the escrow account, the loan transaction must meet the following: No portion of the loan proceeds may be used to pay property taxes for a rate/term refinance transaction. The final CD reflects a payment to the county tax collector in the amount of $XXXX. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX% DTI, $XXXX verified reserves, Self employed XXXX years<br>**  | XXXX. XXXX% LTV. $XXXX per month residual income. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2097730 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2112624 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112624 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for business existence being less than XXXX years. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | Compensating Factors: Reserves exceed XXXX months, DTI XXXX% |  | 3 | 1 | 3 | 1 |
| XXXX | 2112624 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101666 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101666 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | XXXX lender's guidelines business debt can be omitted if it can be tied to business related activities (i.e. – vehicle, residential mortgage debt) and XXXX months (0x30) proof that business pays. The debt with XXXX #XXXX monthly payment $XXXX was omitted; however, evidence of XXXX monthly payments from the business account with XXXX #XXXX was not provided. Evidence of the XXXX October and May payment were missing. If the XXXX/XXXX payment was not yet due alternatively the XXXX/XXXX did not reflect a payment. Inclusive of this monthly payment the DTI increases to XXXX%. The maximum allowable DTI is XXXX% when the LTV is greater than XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Proof payments provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101666 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The borrower is converting their current primary residence to an investment property. Per the lender's guidelines a copy of the current lease or rental agreement (for newly executed leases, the first rental payment due date must be no later than the first payment due date of the mortgage) is required. A review of the lease reflects the lease begins on the XXXXth day of XXXX, 2025 (XX/XX/XXXX) through the XXXXth day of XXXX, XXXX. The subject loan closed XX/XX/XXXX. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: $XXXX monthly residual income; Self-employed XXXX years<br>**  | Compensating factors: Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2101666 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for LTV. The subject property is rural; therefore, the maximum allowable LTV/CTLV is XXXX%. The subject loan closed at XXXX% LTV. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception re-uploaded <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception not provided. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2101666 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for minimum borrower contribution. Borrowers must document a minimum of XXXX% (of the sales price) of their own funds on purchase transactions. The sales price was $XXXX x XXXX% = $XXXX. A review of the CD reflects cash to close of $XXXX, $XXXX EMD and POCs $XXXX totaling $XXXX. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: $XXXX monthly residual income, $XXXX verified reserves <br>**  | Compensating factors: Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2101666 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114537 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114537 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114537 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097748 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097748 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing a Property Management Agreement between XXXX and XXXX for XXXX & XXXX of the subject property. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Can you please downgrade and waive?<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating Factors: XXXX, XXXX, Experienced Investor<br>**  | Compensating Factors: XXXX, XXXX months PITI Reserves, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2097748 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | Lender Exception in file due to the guidelines indicating properties with square footage XXXX%, however at audit review was deemed unnecessary.Client to approve downgrading finding | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, XXXX months PITI Reserves, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2097748 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093331 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2093331 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | Guidelines require the most recent statement to cover XXXX days and there is a gap in assets for BMO x9256. Last full statement is XXXX/XXXX and a transaction history from XX/XX/XXXX-XX/XX/XXXX was provided for updated balance. Provide coverage of XXXX consecutive days to verify guideline requirements have been met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093331 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. Guidelines require an access letter from other business partners when the borrower is less than XXXX% owner of business that funds for closing/ reserves are verified from. Borrower is XXXX% owner of XXXX which is being used for asset verification (BMO x XXXX) and the access letter from other partner is not provided in the loan file. Without use of these funds file would be short $XXXX in cash to close/reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093331 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Gift Letter - Missing | XXXX | $XXXX in gift funds from XXXX and $XXXX in gift funds from XXXX have been verified via wire and receipt from title but the gift letters are missing from the loan file. Provide gift letters to verify guideline requirements have been met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2093331 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2101847 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101847 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file for multiple issues:XXXX. Using docs provided for departing residence rent amount.XXXX. W2 Transcripts XXXX. Using lower rent amount for departing that actual. Client to approve downgrading finding based on compensating fact | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp factors - XXXX and Reserves $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2101847 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2093325 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the Initial CD delivery date, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the decrease in Lender credits to $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD ATTACHED And COC from XXXX/XXXX due to the change<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093325 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093325 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contain alerts which have not been adequately addressed in the loan file. The credit report reflected the co-borrower's credit with XXXX was locked at the consumers request due to active duty. Per the lender's guidelines the underwriter must complete the FACTA Fraud Alert Verification form to independently verify the borrower's identity before issuing a clear to close. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2093325 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for Property Type. The subject property has a workshop utilized for income producing purposes with a dedicated parking area. In addition, there is a reception room, workshop hall, office, and a bonus room area which appears to resemble a home business. Per the lender's guidelines mixed-use properties are ineligible. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: LTV less than XXXX% and at least XXXX% less than guideline maximum; FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; Qualifying DTI less than XXXX% and at least XXXX% less than guideline maximum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2093325 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2096224 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096224 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2096224 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098736 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following Rider is missing: PUD Rider. Per the Appraisal and Title the subject property is located in a Planned Unit Development. In addition, page XXXX section E "Riders" does not reflect that the Planned Unit Development Rider is applicable. Page XXXX is required to be corrected and initialed by the Borrower(s). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PUD provided with re-recorded DOT<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Corrected re-recorded DOT provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The recorded Mortgage and PUD rider have been provided; however, pg.XXXX of the Mortgage has not been updated to include the PUD rider under section E riders. Please provide an updated pg. XXXX of the Mortgage with the changes initialed by the borrowers. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098736 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Credit Report Fee. In addition, the invoice provided in the loan file reflects the total charge of $XXXX was as of XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PCCD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2098736 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The cash required to close for the loan file is $XXXX. The file is short funds by $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Transaction history on file showing the $XXXX wired for this closing and was removed from the VOD; therefore borrower has enough funds<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> exception for reserves provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> There is still a $XXXX reserve shortage. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2098736 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for no reserves. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2098736 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The Title Commitment insurance is $XXXX, which is less than the loan amount $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> title provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2098736 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2117029 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DOT provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2117029 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception for borrower is on the title to primary but the mortgage is not in the borrowers name. Guidelines require verified housing history. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: borrowers credit score is XXXX and borrowers investment mortgage history is 0x30. |  | 3 | 2 | 3 | 2 |
| XXXX | 2117029 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception for subject property has XXXX ADU's. Guidelines state that multiple ADU's are not allowed. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: borrowers credit score is XXXX and borrowers investment mortgage history is 0x30. |  | 3 | 2 | 3 | 2 |
| XXXX | 2117029 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101680 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101680 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for LTV. Per the lender's guidelines the maximum LTV with a credit XXXX the maximum LTV/CLTV is XXXX%. The subject loan was approved with a XXXX% LTV/CLTV. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Monthly reserves are verified and at least XXXX months more than guidelines minimum; Qualifying DTI less than XXXX% and at least XXXX% less than guideline maximum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month; Borrower has real estate investment experience as seasoned investor with more than XXXX prior investments displaying at least 0x30x12 pay history |  | 3 | 2 | 3 | 2 |
| XXXX | 2101680 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2101670 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Notary acknowledgement reflects a date of XX/XX/XXXX while the borrower signed the security Instrument and other closing documents on XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> notary ack provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101670 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following decrease: Lender Credits. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101670 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date, XX/XX/XXXX. The CD issued on XX/XX/XXXX was signed and dated, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101670 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee on the CD issued XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> invoice provided showing lender was not made aware of appraisal increase and was disclosed compliantly <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> We re-disclosed the CIC on XXXX/XXXX which is prior to the date it was paid by the borrower. This is compliant per the invoice <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> pccd docs provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The appraisal invoices have been reviewed. The appraisal invoice dated XX/XX/XXXX discloses the borrower paid the fee outside of closing on XX/XX/XXXX. If the borrower paid the fee increase on XX/XX/XXXX, this indicates the lender was aware of these fee increases at that time. A cost to cure in the amount of $XXXX is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. We agree the COC was disclosed with the correct timeframe; however, the Invoice/COC does not disclose why the Appraisal fee increase. Please provide details as to why the fee increased to determine if it is a valid reason. A cost to cure in the amount of $XXXX is required. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2101670 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> notary ack provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> All Perils confirmation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor has approved to resolve based on Correspondent accepting the risk under Reps and Warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2101670 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104847 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2104847 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> perils provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2104847 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2111908 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111908 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111908 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2098769 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098769 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases/decreases: Increase of Loan Discount Points $XXXX and Credit report $XXXX; and decrease in Lender credits of $XXXX to $XXXX. A cost to cure in the amount of $XXXX is required of which $XXXX was cured at closing. There is a remaining cost to cure in the amount of $XXXX. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2098769 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2098769 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2113594 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2113594 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject property is a land contract, which is ineligible per guidelines. The loan contains multiple exception forms dated XXXX/XXXX, XXXX/XXXX, and XXXX/XXXX. The XXXX/XXXX exception is marked approved, and lists the compensating factors. However, it is unclear if this was actually the final decision as a XXXX/XXXX exception form for the same issue with the same compensating factors is marked as denied. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> approved exception provided; E35 denial is for another investor, not XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO higher than XXXX and at least XXXX points higher than guideline minimum, Monthly Reserves XXXX more than guideline minimum, Qualifying DTI les than XXXX% and XXXX% less than guideline max, Borrower has worked same job for more than XXXX years and in same industry more than XXXX years, Borrower has residual income over XXXX per month. |  | 3 | 2 | 3 | 2 |
| XXXX | 2113594 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104484 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104484 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Second Appraisal fee. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The COC provided was for the original addition of a Second Appraisal on XX/XX/XXXX. The Second Appraisal fee increased on XX/XX/XXXX. The COC in the file dated XXXX/XXXX does not provide a valid reason. Invoice received or higher than expected is not a valid reason. A valid reason is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2104484 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104484 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2117045 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2117045 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The guidelines state XXXX months reserves are required. The borrower is receiving cash proceeds from the subject and the application states the borrower is also receiving $XXXXK in cash proceeds from a concurrent transaction. The file is missing verification of the required $XXXXK needed for the XXXX months reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> HUD from refi of another property provided and reflects $XXXX in proceeds to borrower. Reserve requirements met. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2117045 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2117045 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110662 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110662 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110662 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110695 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110695 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | Per the lender's guidelines all documents in the mortgage file must either be in English or accompanied by a translation into XXXX. The loan file contained a bank print-out for XXXX #XXXX XXXX/XXXX - XX/XX/XXXX and XXXX #XXXX XXXX/XXXX - XX/XX/XXXX in XXXX. The bank print-outs were not accompanied by a translation into XXXX as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> bank statement provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2110695 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121292 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121292 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121292 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2097749 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2097749 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The loan application reflected the co-borrower was employed as a manager at XXXX which is XXXX% owned by the borrower/spouse, earning $XXXX monthly. The loan file did not contain any income documentation for the co-borrower. Per the lender's guidelines when a borrower is employed by a family member the most recent XXXX years tax returns are required. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Per guidelines: "recent XXXX years tax returns XXXX recent pay stub with prior years W2" Provided paystub and W2<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Guideline state "For borrowers employed by family members or family owned business the paystubs and W-2s will be required". These were provided and does not state tax returns needed <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Guideline snippet provided showing only paystub and W2 needed no returns.<br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Does not state tax returns are required <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing XXXX years of tax returns. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Borrower s employed by his Spouse. Most recent XXXX years of tax returns required. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Page XXXX of the guide, bottom section, supports the finding. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Guidelines do not appear to support rebuttal. (Upheld)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Unable to clear based upon response. (Upheld)<br>Response 6 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX, $XXXX monthly residual income, Self-employed XXXX years<br>**  | XXXX. $XXXX per month residual income. XXXX month of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2097749 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104832 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)). Because the change occurred on XX/XX/XXXX and the consumer was not provided the disclosure within XXXX days of the change, the increase to the following fee was not accepted as valid: Credit Report on the revised CD issued on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2104832 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104832 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114539 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114539 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114539 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for XXXX% LTV exception for rural property capped at XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, DTI XXXX%, Residual income of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2114539 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Program Parameters - Other. Lender Exception provided for borrower not owning the subject property XXXX months for cash-out as of app date, XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX, DTI XXXX%, Residual income of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2114539 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110679 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110679 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. The loan file contained a bank statement from P1XXXX #XXXX-XXXX which was used to qualify. A printout for this account was provided which reflected transactions from XXXX/XXXX – XX/XX/XXXX with a closing balance of $XXXX. Also obtained was a mini statement for this account dated XX/XX/XXXX which did not reflect a transaction history with an account balance of $XXXX. The account history from XX/XX/XXXX - XX/XX/XXXX was not provided. It should also be noted that this account balance was duplicated on the borrower's final XXXX. Per the lender's guidelines unusually large deposits in bank accounts being used to qualify may require a letter of explanation or evidence they are business related. The increase of assets in the amount of $XXXX was not documented. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Updated docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Only the Hazard Insurance finding was reflects as Void. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Updated XXXX and XXXX does not document the large deposits. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> please review. comments indicate, condition is VOID.<br>Buyer Comment 2 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX, XXXX% DTI, $XXXX monthly residual income<br>**  | Compensating factors: XXXX, XXXX% DTI, $XXXX monthly residual income |  | 3 | 2 | 3 | 2 |
| XXXX | 2110679 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Lender exception in file as the subject loan does not meet guidelines for sufficient insurance coverage on condominiums. The master HOI insurance policy does not include Ordinance or Law coverage. Client to approve downgrading finding based on compensating factors. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> If it is not an exception, nothing would be needed for this<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Please void.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The verbiage on the bottom of the exception form reflects "Not an Exception". (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Additional commentary from Investor is required regarding the conflicting verbiage. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Upon conversation with investor this exception was not a requirement per Correspondent guidelines and not needed. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110679 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2117052 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117052 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117052 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120047 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120047 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception for LTV. LTV is XXXX%, the maximum LTV per guidelines is XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO XXXX, XXXX months reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2120047 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2114563 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114563 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114563 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111913 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111913 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Miscalculated/DTI Exceeds Tolerance | XXXX | The borrower's income is miscalculated. The loan application reflects the borrower was self-employed as a caregiver earning $XXXX monthly and the co-borrower was employed as a valet; however, no income was reflected for the co-borrower. The borrowers qualified using the bank statement loan program. Income was calculated based on the XXXX #XXXX personal joint account. Per the lender's guidelines if the personal account is jointly owned, and the joint owner is not an owner of the business, deposits that are not readily identifiable as transfers from the business accounts or business deposits must be excluded unless sourced. Additionally, income documented separately, but included as deposits in the statement under review, must be backed out of deposits. The co-borrower's payroll deposits were included in the qualifying income for the borrower. The co-borrower's income was not documented separately, and no income documentation was provided for the co-borrower. Omitting the co-borrower's payroll deposits results in a DTI of XXXX% which exceeds the maximum allowable DTI of XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DIRECT deposits were included for B2 - If i exclude those from the income calculation the income is at $XXXX per month and our DTI goes to XXXX% <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Guidelines state "Max DTI of XXXX% when LTV > XXXX%" LTV is XXXX% <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Please refer to page XXXX where most recent guidelines state "XXXX of XXXX% when LTV > XXXX% <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Review DTI is XXXX%. It should be noted that both XXXX% reflected in rebuttal and XXXX% exceed and would require an exception. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Guide reflects max DTI XXXXf XXXX% when LTV exceeds XXXX%. LTV is XXXX%. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The loan closed XXXX/XXXX. Guided dated XXXX/XXXX page XXXX reflects DTI maximum is XXXX% when the LTV exceeds XXXX%. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: $XXXX monthly residual income, $XXXX verified reserves<br>**  | $XXXX per month residual income. XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2111913 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104850 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2104850 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Ineligible borrower | XXXX | Does not meet eligible borrower requirements per guidelines. The Borrower had purchased a new primary residence within XXXX month of closing on this investment property. The Lender's guidelines both for people without a XXXX month mortgage or rental history and the guidelines for people who lived rent free both prohibit the purchase of investment properties. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX, $XXXX verified reserves<br>**  | XXXX. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2104850 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The Borrower purchased a new primary residence within XXXX month of the subject transaction. The loan file does not contain a document to verify the new debt. Additional findings may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided for other loan<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2104850 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110665 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110665 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110665 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110701 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110701 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The borrower was retaining the departure residence. The loan file contained a CD for the departure residence reflecting a new HELOC was obtained in the name of the non-borrowing spouse only. The cash proceeds from the HELOC were utilized towards the purchase of the subject property. The property report reflected the borrower was on title with the non-borrowing spouse. Per the lender's guidelines joint ownership of other real estate owned with a non-borrowing spouse or individual, regardless of if obligated in the name of the borrower, is considered to be total ownership of the property. The borrower must qualify with full property taxes, insurance, and HOA dues, if applicable, unless evidence is provided that the borrower has relinquished all rights to the property, or if XXXX months proof of payment by the other party is provided. The loan file did not contain documentation to determine the monthly payment for the new HELOC and a payment was not included in the origination DTI as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We agree thiscould be clearer, but the intention of this section is to clarify if they areon title then they must qualify with the non-debt related expenses. You caninfer from the note below that it is okay to exclude the P&I if they noteisn't in their name and they can only exclude the taxes and insurance if thatmortgage is impounded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Upon further review and discussion of the intent of the guideline the HELOC payment on the non-borrower spouse name only on the departing residence does not need to be included in the DTI. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2110701 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120054 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2120054 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2120054 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114541 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114541 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114541 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111922 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The notary acknowledgment does not state if the witnessed online or in physical presence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2111922 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2111922 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110670 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2110670 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Gift Letter - No Evidence of Funds | XXXX | The loan file contained a gift letter from the borrower's spouse reflecting a gift of $XXXX was to be wired at closing to title. Per the lender's guidelines a non-borrowing spouse who will reside in the property (primary residence only) and is contributing funds is not considered a gift, therefore, a gift letter is not required. XXXX days seasoning and sourcing of funds required. The loan file did not contain documentation to source the funds. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2110670 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112659 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX Months prepayment term, the loan has a XXXX Months prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2112659 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The subject loan does not meet Program Parameters for mortgage payment history. The subject transaction was a rate/term refinance of an investment property. Per the lender's guidelines the housing payment history (mortgage and/or rent) must be verified and documented when not shown on the credit report with one of the following: Credit report or credit supplement with mortgage payment rating; Loan payment history from the Lender/Servicer; Most recent XXXX consecutive months of the borrower's canceled checks or bank statements; Verification of Mortgage (Private party VOM verifications also require XXXX months consecutive cancelled checks). The mortgage lender being paid off, XXXX., was not reflected on the credit report. The loan file did not contain any documentation to confirm the payment history as required. Additionally, a mortgage payment history for XXXX privately held by XXXX was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No payment was due to XXXX until XX/XX/XXXX and XXXX was not due before closing (within grace period)<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2112659 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Loan Purpose | XXXX | The subject transaction was a rate/term refinance of an investment property. The loan file contains a closing disclosure which reflects the borrower purchased the subject property cash on XX/XX/XXXX for $XXXX. Per the title search a mortgage with XXXX was obtained the same day, XX/XX/XXXX, for $XXXX. The subject loan in the amount of $XXXX closed on XX/XX/XXXX with an appraised value of $XXXX an increase in value of $XXXX in XXXX days. The appraiser noted the subject property is in C4 condition with no prior updates within the last XXXX years. Per the lender's guidelines to be eligible for a rate/term refinance the last transaction on the property cannot be a cash-out refinance that combined a first mortgage and a non-purchase money subordinate lien into a new first mortgage within the last XXXX months, measured from the disbursement date on previous settlement statement to the note date. If seasoning requirement has not been met, then the new mortgage must be treated as a cash-out refinance. The subject transaction is ineligible for a rate/term refinance. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXAM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX% DTI, XXXX, $XXXX monthly residual income<br>**  | Compensating factors: XXXX% DTI, XXXX, $XXXX monthly residual income |  | 3 | 2 | 3 | 2 |
| XXXX | 2112659 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The subject transaction was a rate/term refinance of an investment property. The subject property was purchased on XX/XX/XXXX vested in the borrower's name only. The subject transaction closed in the name of XXXX which is owned XXXX% by the borrower. A fully executed affidavit transferring ownership from the borrower to XXXX should have been provided. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Deed provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2112659 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111917 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111917 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111917 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117031 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2117031 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s) / Legal Addendum(s) is missing: Exhibit A | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DOT provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2117031 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2117031 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121283 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121283 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121283 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet guidelines for Multiple Loans to the Same Borrower. Per the lender's guidelines regardless of the type of financing the borrower is requesting, the maximum number of active (not settled) loans a borrower/guarantor may have at TLS is XXXX (XXXX) or the aggregate total of all loans may not exceed $XXXXm UPB. The exception reflected the borrower has XXXX loans in process. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provdied <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception provided is not tied to the subject transaction. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX, XXXX% LTV, XXXX, Experienced Investor<br>**  | Compensating Factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; Qualifying DSCR higher than 1.1x and at least 0.1x higher than guideline minimum |  | 3 | 2 | 3 | 2 |
| XXXX | 2121283 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121284 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121284 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception provided to allow for the borrower to proceed with XXXX in process. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: borrower has a XXXX and more than XXXX months reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2121284 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121285 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's names on the Security Instrument is inconsistent with the Title. The Names listed on the Security Instrument (Husband and Wife) is not the same name reflected as current vested on Title. (Refinance) Although there is a Quit Claim Deed in the file it does not list the Wife name as a Title holder. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Will the Investor accept a revised Pg1 of DOT with LOI to re-record?<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121285 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet guidelines for Multiple Loans to the Same Borrower. Per the lender's guidelines regardless of the type of financing the borrower is requesting, the maximum number of active (not settled) loans a borrower/guarantor may have at TLS is XXXX (XXXX) or the aggregate total of all loans may not exceed $XXXXm UPB. The exception reflected the borrower has XXXX loans in process. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; Monthly reserves are verified and at least XXXX months more than guidelines minimum; Qualifying DSCR higher than 1.1x and at least 0.1x higher than guideline minimum |  | 3 | 2 | 3 | 2 |
| XXXX | 2121285 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121285 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120063 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120063 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120063 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110675 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110675 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110675 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110693 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XXXX/XXXX/. The loan is a compliant HPML. Escrow, prepayment requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110693 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110693 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121296 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121296 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121296 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113579 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2113579 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Interested Party Contribution - Exceeds | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for Interested Party Contributions (IPCs). The subject transaction is a purchase of a primary residence at XXXX% LTV. Per the lender's guidelines the maximum allowable contribution from interested parties with an LTV greater than XXXX% is XXXX%. The CD reflects IPCs of XXXX% or $XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Monthly reserves are verified and at least XXXX months more than guidelines minimum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2113579 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110676 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110676 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The beginning and expiration dates of the Homeowner's Insurance Declaration page reflects XX/XX/XXXX - XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Invoice reflects dates of coverage.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> A review of the Invoice reflects the correct coverage dates of XXXX XX/XX/XXXX. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2110676 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121274 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121274 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121274 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110686 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110686 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Underwriting Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2110686 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2110686 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for borrower's living rent free. A review of the loan file reflects the borrower was living in student housing. The loan file did not contain any documentation to provide a housing history. Per the lender's guidelines borrowers who live rent-free or without a complete XXXX-month housing history are allowed, with all the following restrictions: LTV may not exceed XXXX%. The subject loan closed with an LTV of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2110686 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2112671 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112671 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2112671 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107755 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107755 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | Additional Finding: XX/XX/XXXX. The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DTI increased<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107755 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD and cert provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107755 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107755 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110677 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110677 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX rate spread home loan test. (XXXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation.The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2110677 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the bona fide discount points test due to one of the following findings: (XXXX §XXXX (c)(1)(b). The loan is a first lien mortgage and has a principal amount that is greater than or equal to $XXXX and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2110677 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the lender fees test due to one of the following findings: (XXXX §XXXX-XXXXA(e); XXXX XXXX-10(a), (g). The loan is a first lien closed end mortgage with a principal amount that is greater than or equal to $XXXX and the sum of all lender fees exceeds the greater of XXXX% of the principal amount or $XXXX. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and interest. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2110677 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fee was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a transferred appraisal<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The COC provided is valid for the XXXXD increase; however, the Appraisal Invoice for the increased fee of $XXXX is dated XX/XX/XXXX and the transfer request is dated XX/XX/XXXX indicating the lender knew at this time of the fee amount of $XXXX and it was not disclosed until the CD issued on XX/XX/XXXX outside of the XXXX day requirement. A cost to cure in the amount of $XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2110677 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2110677 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110678 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110678 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Authorization | XXXX | Per the lender's guidelines less than XXXX% ownership requires an access letter from partners allowing the use of the business funds by the borrower and it must be determined that funds for the transaction will not have a negative impact on the business and its continued operations via a signed CPA letter, satisfactory Cash Flow Analysis or other Underwriter justification documented in the file. The funds for the subject transaction were from the business account with XXXX #XXXX. The operating agreement reflects the borrower is XXXX% owner of the business. The loan file did not contain an access letter from the other partners, and it was not documented if funds for the transaction will not have a negative impact on the business. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Cashflow attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing access letter. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2110678 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110680 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110680 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The subject transaction was the purchase of a primary residence from a family member. The CD reflected a gift of equity in the amount of $XXXX and a seller credit of $XXXX. Per the lender's guidelines the purchase agreement must state dollar amount of the gift of equity and IPCs. The loan file did not contain a fully executed purchase agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2110680 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Mortgage Payment History | XXXX | The subject transaction was the purchase of a primary residence from a family member. The CD reflected a gift of equity in the amount of $XXXX. A review of the CD reflects the seller's paid off a first mortgage loan. Per the lender's guidelines when there is a sale between family members the payment history for the seller's mortgage on the subject property must be obtained and show no pattern of delinquency within the past XXXX months (if applicable). The loan file did not contain the seller's mortgage payment history. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2110680 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2113583 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | XXXX | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)). Because the change occurred on XX/XX/XXXX and the consumer was not provided the disclosure within XXXX days of the change, the decrease to lender credits was not accepted as valid on the revised CD issued on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CIC provided; CIC was from XXXX/XXXX and this was re-disclosed XXXX business days, as the weekend does not count<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113583 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | Guidelines require mortgage payment history to be current with the last payment made the month prior to the note date. The loan closed XX/XX/XXXX; therefore, mortgage payments to be made through XXXX/XXXX. Mortgage payments not current for the properties located at: XXXX last payment XX/XX/XXXX and XXXX last payment made XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Proof provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113583 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | The Bank Statement program requires the borrower and business to be verified self-employed for at least XXXX years. The file does contain a CPA letter dated XX/XX/XXXX; however, does not verify the above as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Proof business has been open for XXXX+ years<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113583 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110681 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fee was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2110681 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Investor has approved to resolve as correspondent will accept risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2110681 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111926 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: . The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111926 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2111926 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117040 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2117040 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2117040 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2113586 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file; therefore, the increase to the following fee was not accepted: Recording fee on the CD issued on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund and proof of delivery. (12 CFR §1026.19(e)(3)(ii)) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Final SS shows decreased recording fees of $XXXX. No cure is needed <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. An ALTA statement has been provided to verify the amounts paid by the borrower at disbursement. A PCCD reflecting the correct fee amount would need to be provided for accurate testing. A cost to cure in the amount of $XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113586 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113586 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110689 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $35 Tolerance Threshold/Rescindable | XXXX | The loan failed the Rescission Finance Charge tolerance test. Per the special foreclosure rule under Regulation Z, for loans subject to the right of rescission the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation:Flood Certification $XXXX, Prepaid Interest $XXXX, Processing Fee $XXXX, Settlement Fee $XXXX, Tax Service Fee $XXXX, XXXX $XXXX, Underwriting Fee $XXXX Wire Transfer Fee $XXXX. A cost to cure in the amount of $XXXX is required. 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. Additionally, rescission needs to be re-opened. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX passed finance charge. This is including a "title services" charge of XXXX our final CD does not have a "title services" charge. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2110689 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110689 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112668 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112668 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Authorization | XXXX | The file does not contain authorization for funds access from the business account. The subject transaction is the purchase of a primary residence. The assets needed for closing came from the XXXX #XXXX business account in the name of XXXX. The CPA letter reflects the borrower is XXXX% owner of XXXX. Per the lender's guidelines assets from the borrower's business are acceptable source of funds for the down payment, closing costs, and reserves provided the following requirements are met: Less than XXXX% ownership requires an access letter from partners allowing the use of the business funds by the borrower. The loan file did not contain an access letter from the partners of the business as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> access letter provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2112668 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110702 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110702 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The most recent credit report dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit report or undisclosed debt monitoring report no more than XXXX days prior to the closing date which is missing from the file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2110702 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2110702 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112635 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112635 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112635 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110683 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110683 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110683 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113597 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113597 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113597 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110684 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110684 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal transfer letter is missing. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Not required per guidelines.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Upon review the correspondent guidelines do not require an appraisal transfer letter. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110684 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114554 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal fee. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2114554 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. The XXXX #XXXX dated XXXX/XXXX - XX/XX/XXXX reflected large transfers from account #XXXX on XXXX/XXXX $XXXX; XXXX/XXXX $XXXX; XXXX/XXXX $XXXX. The XXXX #XXXX bank statements were not provided to source the transfers. In addition, the inheritance translation document was not supported with a recent bank statement showing the funds being transferred into a XXXX account. Per the lender's guidelines any foreign assets used for verification and/or qualification should be transferred to a XXXX account if funds are being used for down payment and/or reserves. Foreign assets are acceptable and must be XXXX days seasoned with most recent months XXXX statements. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX% DTI, self-employed XXXX years, 0x30 mortgage history for XXXX months reviewed<br>**  | XXXX. $XXXX per month residual income. XXXX% DTI. |  | 3 | 2 | 3 | 2 |
| XXXX | 2114554 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2114554 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110685 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Recording Fees. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2110685 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2110685 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110685 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2112637 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2112637 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the State HPML. This loan failed the XXXX rate spread home loan test. (XXXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2112637 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Title Search, Recording Service Fee, Settlement Closing Fee, Courier Fee, and Updated Fee. A cost to cure in the amount of $XXXX is required. 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. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Borrower shopped for fees therefore no tolerance <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2112637 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Concessions | XXXX | The loan file reflects excess concessions of $XXXX. The actual costs are $XXXX. Seller contribution is $XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Closing costs of $XXXX + Items paid in advance by seller $XXXX equals total closing costs of $XXXX therefore there is no concession <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2112637 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> peril coverage provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2112637 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120048 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2120048 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2120048 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2112639 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HOEPA (High Cost)/Financed Points & Fees | XXXX | The loan failed the high-cost mortgage (HOEPA) financing of points and fees test. The loan finances, directly or indirectly, any points and fees, as defined in the legislation. The loan finances points and fees totaling $XXXX. A creditor that extends credit under a high-cost mortgage may not finance charges that are required to be included in the calculation of points and fees, as that term is defined in 1026.32(b)(1) and (XXXX). Credit insurance premiums or debt cancellation or suspension fees that are required to be included in points and fees under 1026.32(b)(1)(iv) or (XXXX)(iv) shall not be considered financed by the creditor when they are calculated and paid in full on a monthly basis. The following points and fees were included in the calculation: Lender Fee $XXXX, Mortgage Broker Fee (Indirect) $XXXX, and Loan Discount Point Fee $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We agree with XXXX's logic that this loan is not high cost, as the high-cost test should exclude up to XXXX% of the discount points ($XXXX) as bona fide points based on the undiscounted rate to APOR threshold.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> lock confirmation provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide Undiscounted Rate if Points - Loan discount Fee and Bona Fide and excludable for accurate testing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2112639 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Texas High Cost & Antipredatory Lending/Points and Fees | XXXX | The loan failed the XXXX High Cost Home Loan credit transaction points and fees test due to the following: The date creditor received application is on or after XXXX; and the loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following points and fees were included in the calculation: Lender Fee $XXXX, Mortgage Broker Fee (Indirect) $XXXX, and Loan Discount Point Fee $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We agree with XXXX's logic that this loan is not high cost, as the high-cost test should exclude up to XXXX% of the discount points ($XXXX) as bona fide points based on the undiscounted rate to APOR threshold.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> lock provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide Undiscounted Rate if Points - Loan discount Fee and Bona Fide and excludable for accurate testing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2112639 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112639 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2113828 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2113828 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113828 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2113590 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2113590 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non-Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. (12 CFR §XXXX) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2113590 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2113590 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121267 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121267 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is either incomplete or incorrect. The Settlement statement is missing page XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2121267 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Exhibit B of the loan agreement is missing the date at the bottom. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121267 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The guidelines indicate a borrower is a credit applicant who will have ownership interest in the subject property, sign the security instrument, and sign the mortgage/deed of trust and note. If two or more individuals own the property jointly, and are jointly and severally liable for the note, all are considered to be borrowers. The XXXX consists of XXXX members, XXXX and XXXX, both with an equal ownership interest of XXXX%. Both members executed the Note at closing andare jointly and severally liable for the note. The loan file is missing an application, credit report, background report and OFAC search for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Our only borrower on this loan XXXX is not a borrower he just signed for the LLC. I think all that wouldneed to be corrected is having a Guaranty Agreement corrected to only show XXXX,correct since the note was signed as an authorized person of the LLC?<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Agree. Please have the Guaranty Agreement corrected. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121267 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121267 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2111936 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR 7.XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow and prepayment, requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2111936 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2111936 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2111936 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2114546 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD sent XXXX/XXXX with a presumed received date XXXX/XXXX which is XXXX days prior to closing and is compliant.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114546 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial Closing Disclosure Delivery Date Test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Broker Fee. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD sent XXXX/XXXX with a presumed received date XXXX/XXXX which is XXXX days prior to closing and is compliant.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> CIC provided showing re-disclosure happened XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The COC dated XX/XX/XXXX for the increase to the borrower paid Broker Comp fee is valid; however the XXXX cis dated XX/XX/XXXX and was not disclosed until the CD issued on XX/XX/XXXX. This is not within XXXX days as required. A cost to cure in the amount of $XXXX, XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114546 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please waive<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114546 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107757 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107757 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements were not verified in the file. A review of the CD reflected the borrowers did not escrow; therefore, XXXX months of PITIA reserves were required, equal to $XXXX ($XXXX x XXXX = $XXXX). The total documented assets were $XXXX minus POCs, EMD and cash to close totaling $XXXX resulted in remaining assets of $XXXX for reserves. As a result, there was a $XXXX shortage of verified funds for reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2107757 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing Signature(s) | XXXX | The Sales Contract has not been properly executed by all parties. The co-borrower did not sign the purchase contract. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Fully executed contract provided. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2107757 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Power of Attorney | XXXX | Per the lender's guidelines the borrower may use an attorney-in-fact, who is an authorized person to act by a power of attorney, to sign documents on their behalf at closing based on certain circumstances, such as active military duty, where the service member is on overseas duty or on an unaccompanied tour and cannot be present to execute loan documents at the closing. To complete the loan transaction using an attorney-in-fact the following requirements must be met: The borrower must sign the initial loan application and disclosures.The borrower must explain the hardship for the use of a POA, describing why the borrower was unable to execute documents in person. The loan application and disclosures were only e-signed by the co-borrower. Additionally, the letter of explanation does not explain the hardship for use of the POA, only stating he is traveling for business and will be out of town which does not qualify as a hardship. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Disagree, borrower signed initial application. LOE explains borrower is out of town on business day of closing.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Upon Senior Management review the initial application was signed and the LOE provided for reason borrower could not be at closing and needed an Attorney In Fact. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2107757 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112653 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112653 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112653 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117034 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117034 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117034 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112648 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112648 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112648 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113601 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113601 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113601 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114568 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114568 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114568 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117035 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2117035 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2117035 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2113605 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> E-cert provided showing CD viewed XXXX/XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The disclosure tracker has been provided reflecting a CD was issued and received on XX/XX/XXXX. The actual document, CD XX/XX/XXXX, needs to be provided to verify it was complete and for accurate testing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113605 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2113605 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114572 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114572 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Missing Debts/ DTI Exceeds Tolerance | XXXX | The DTI did not reflect all the borrower's debts resulting in a DTI that exceeds allowable tolerances. At origination, the borrower's primary residence PITI was calculated has the following: 1st mortgage with XXXX monthly payment of $XXXX + 2nd mortgage XXXX $XXXX + $XXXX monthly HOA totaling $XXXX. A review of the XXXX mortgage statement and credit supplement reflects the monthly payment was $XXXX resulting in a PITIA $XXXX. Additionally, at origination no housing payment was associated with XXXX. The mortgage note associated with this property is in the name of the non-borrowing spouse. However, per the lender's guidelines when the borrower is on title, as evidenced by the property detail report, joint ownership of other real estate owned with a non-borrowing spouse or individual, regardless of if obligated in the name of the borrower, is total ownership of the property. Therefore, the taxes and insurance for this property, totaling $XXXX, should be included in the DTI. Including the omitted liabilities results in a DTI of XXXX% which exceeds the maximum allowable of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> .As per the credit supplement the expenses is updated to $XXXX – Please see attached the XXXX. Tax and insurance are also escrowed with the mortgage payment, hence need not be included in the ratios. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX provided with all expenses included with Primary residence.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> The mortgage statement supports escrowed so we can exclude. Per guides "In reviewing the mortgage note the principal and interest may be excluded only unless evidence taxed and insurance are impounded"<br>Rebuttal 4 (XX/XX/XXXX XX:XXAM)<br> Statement provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Primary residence housing expense is $XXXX PITI + $XXXX 2nd mortgage + $XXXX HOA fees for a grand total of $XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> All other monthly payments on the audit XXXX of $XXXX does not match the review figure. Other obligations of $XXXX per month and negative cash flow of $XXXX per month results in $XXXX per month. DTI stands. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114572 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2113588 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced XXXX is missing: "Exhibit A" Legal Description. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2113588 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2113588 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception allowing for residual income to be less than the $XXXX. The loan has $XXXX in residual income with the exception allowing for $XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Good XXXX. Housing history good XXXX months rent pymts provided. Employment history XXXX years self-employed. |  | 3 | 2 | 3 | 2 |
| XXXX | 2113588 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2112658 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112658 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112658 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112669 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112669 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please waive <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2112669 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2117049 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117049 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117049 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114553 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114553 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114553 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120051 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120051 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120051 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121279 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2121279 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121279 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2110698 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110698 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2110698 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2114557 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | XXXX | Revised Closing Disclosure Waiting Period Required: An APR outside of allowable tolerance required a corrected Closing Disclosure and the corrected Closing Disclosure was not received by the borrower at least XXXX business days prior to the Consummation Date. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The CD issued on XX/XX/XXXX was received on XX/XX/XXXX; this is not XXXX business days prior to closing as required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2114557 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2114557 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2117037 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117037 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117037 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120053 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120053 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120053 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117039 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117039 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117039 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117038 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117038 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117038 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120073 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120073 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120073 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a Second Full Appraisal that supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120058 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120058 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120058 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120071 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120071 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120071 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121294 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2121294 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Exhibit A/Legal Description. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> dot provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121294 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121294 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121290 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2121290 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121290 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2117043 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117043 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117043 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117044 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117044 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117044 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121293 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121293 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121293 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113604 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113604 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2113604 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120082 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120082 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120082 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120062 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120062 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception for LTV provided as the max LTV for a rural property is XXXX%. Subject was approved with a XXXX% LTV. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX and more than XXXX months reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2120062 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2117047 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2117047 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2117047 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121280 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121280 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121280 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120069 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120069 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120069 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117053 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2117053 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file for the borrower having XXXX financed properties. Client to approve downgrading finding based on compensating factors. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The internal exception code is something for us - itjust tells us which investors do not follow up or if they have a variance to our guide. I do not show XXXX does.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Internal guide and lender exception not required. (Void)<br>**  |  | Compensating Factors: the LTV is less than XXXX% and the borrower has $XXXX in cash reserves. |  | 1 | 1 | 1 | 1 |
| XXXX | 2117053 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121308 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121308 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121308 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121306 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The notary acknowledgment within the security instrument was not signed by the notary. A separate notary acknowledgment was located within the loan file however, it does not clearly indicate that it pertains to the security instrument. As a result, it cannot be determined whether a valid, signed notary acknowledgment applies to the executed security instrument. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please advise what would be acceptable to clear this condition<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> This was a foreign notary acknowledgment at the US Consulate of XXXX, nothing can be added. I've attached a copy of the recorded document, and the notary acknowledgment is included as part of the recording which would indicate it was notarized as part of that document<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Evidence the borrowers appeared before the notary is required. A Scriveners Affidavit or notation on the Notary page as to what documents were notarized are acceptable cures. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient toclear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121306 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121306 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121286 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121286 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. The XXXX #XXXX printout dated XX/XX/XXXX reflected large transfers from on XX/XX/XXXX $XXXX; XX/XX/XXXX $XXXX; XX/XX/XXXX $XXXX. The loan file did not contain documentation to source the transfers. Per the lender's guidelines unusually large deposits in bank accounts being used to qualify may require a letter of explanation or evidence they are business related. Large deposits unsourced may be backed out from the ending balance. Omitting the large deposits results in the borrower being short $XXXX in reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121286 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121286 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121287 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121287 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121287 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2121307 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2121307 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121307 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121289 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121289 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121289 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121312 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121312 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The guidelines indicate a current mortgage/rental history is required. Current means the borrower(s) have made all mortgage payments due in the month prior to the note date and are current as of the application date. The loan file is missing documentation to support the Borrowers XX/XX/XXXX rental payment was made for their primary residence. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121312 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121309 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX month prepayment term; the loan has a XXXX-month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC.?? | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2121309 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121309 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2120072 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2120072 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2120072 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2120077 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120077 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The purchase agreement in file is missing Contract Addendum #XXXX & XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Both addendums provided. (Resolved)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted Compensating factors: XXXX, experienced investor, XXXX, $XXXX verified reserves<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2120077 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2120078 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120078 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The purchase agreement in file is missing Contract Addendum #XXXX & XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX, $XXXX verified reserves, XXXX, Experienced Investors<br>**  | XXXX. XXXX. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2120078 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2121311 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2121311 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2121311 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The guidelines indicate an OFAC search is required for borrowers, guarantors and any member of the borrowing entity with XXXX% or more ownership interest. The Operating Agreement in file indicates XXXX has XXXX% ownership interest of the XXXX. The loan file is missing an OFAC search for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Fraud provided showing OFAC for non-borrower<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Fraud provided reflects other owner and llc with no OFAC results<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> OFAC for XXXX was not received. OFAC for borrower was received a second time. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121311 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The guidelines indicate Market rents from the lessor of an appraisal form XXXX or lease will be used to calculate the Debt Service Coverage Ratio (DSCR) based on annual tenancy. Market rents of $XXXX was used to calculate the DSCR at origination. The XXXX indicates a current lease agreement for the subject property with a monthly rent of $XXXX and a XX/XX/XXXX lease end date. The appraiser did not reflect current lease information within the appraisal report and the loan file is missing a copy of the current lease agreement for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lease provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2121311 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2120076 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120076 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120076 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2120084 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2120084 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2120084 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2120084 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2121310 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2121310 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the XXXX options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2121310 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123017 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123017 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the Investor Guidelines, a personal guaranty is required from all borrowers on the subject transaction. A Personal Guaranty was provided and reflect was executed by XXXX and XXXX. The signature for the borrower, XXXX XXXX was missing from the Guaranty. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Personal Guaranty for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2123017 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123022 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123022 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2123022 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |

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## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 3**

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| **Loan Number** | **Loan ID** | **Original Loan Amount** | **DD Start Date** | **DD Delivery Date** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** | **Initial Credit Grade (Moody's)** | **Initial Credit Grade (S&P)** | **Initial Credit Grade (Fitch)** | **Initial Credit Grade (DBRS Morningstar)** | **Initial Credit Grade (KBRA)** |
| XXXX | 2114643 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2105029 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2114648 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2114632 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2114634 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2114618 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2114633 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B | B A C | B A C | B A C | B A C | B A C |
| XXXX | 2114681 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2114658 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2114683 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2114613 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2114615 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2114663 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2114670 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2114671 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2119363 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2126898 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2119350 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2126869 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121323 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2119338 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2119362 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2121314 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126897 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126889 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2119361 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2119332 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2093602 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 1710587 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2119340 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2119339 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2119333 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2119346 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2119335 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2119351 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2119341 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2119342 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2119352 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2119343 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2119344 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2119353 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126913 | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 2 | 1 | 1 | 1 D A | D A B | D A B | D A B | D A B | D A B |
| XXXX | 2126924 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126877 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2126885 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2126912 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2126867 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2126892 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2126900 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2126895 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2126888 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2126876 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2126896 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2126918 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126880 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126868 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2126928 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126919 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126906 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126923 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126887 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126883 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126921 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2126881 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2126863 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126916 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2126878 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2126873 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2126879 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126910 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2124351 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2124375 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2121316 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2121317 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2126925 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124321 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2124366 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2124314 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124313 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2124345 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124346 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124357 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2121324 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2121330 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124355 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2124358 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2119355 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2124361 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2124373 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2124331 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2121327 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124349 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2121313 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126882 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126917 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B | B A C | B A C | B A C | B A C | B A C |
| XXXX | 2124344 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2119348 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124369 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2126891 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2121328 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126926 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2124365 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124328 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2119356 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126875 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2124367 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124347 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2124364 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124363 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124362 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126927 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124338 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124371 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2121333 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2124333 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126864 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2124335 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2124370 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2121334 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2124368 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2124342 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2121318 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121320 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2124353 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124356 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2124340 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2121325 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124315 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124311 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B | B A C | B A C | B A C | B A C | B A C |
| XXXX | 2124374 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2124324 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B | B A C | B A C | B A C | B A C | B A C |
| XXXX | 2126914 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126874 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2126884 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126915 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126909 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2121319 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2124316 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124318 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126920 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124330 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2124352 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2126901 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2121315 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124327 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2126870 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2126866 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2124343 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2124329 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124317 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2121329 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2124312 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126886 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126903 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126894 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2126899 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2124372 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2119359 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124348 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2119358 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2124341 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2126904 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2126922 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124350 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2114662 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2114630 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2114672 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2126902 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2119347 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2114635 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2119360 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2121326 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2119354 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2119345 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B | B A C | B A C | B A C | B A C | B A C |
| XXXX | 2124334 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A | A B | A B | A B | A B | A B |
| XXXX | 2124359 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2121335 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2119357 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2093618 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2114673 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2114680 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2114665 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2126865 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2126893 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2114649 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 3 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2114628 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B | B A C | B A C | B A C | B A C | B A C |
| XXXX | 2119336 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2124339 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B | B A C | B A C | B A C | B A C | B A C |
| XXXX | 2124337 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2119349 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2124326 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2126911 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2124322 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2124336 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B | B A C | B A C | B A C | B A C | B A C |
| XXXX | 2126907 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2121331 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121332 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2121321 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B | B A | B A | B A | B A | B A |
| XXXX | 2124325 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2119337 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2124323 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2119334 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2114668 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2098719 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2098720 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2121250 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2121247 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 3 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2121251 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2121249 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2121248 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123041 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123038 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123037 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123040 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123039 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123043 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2121253 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2121252 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123036 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2121246 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123042 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2107550 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2099755 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2099754 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2099748 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120446 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121418 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2121421 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121425 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121426 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121420 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2121424 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2120445 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121419 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2121422 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120444 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2121423 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2123018 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123017 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2119366 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2119365 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2123019 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2123021 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123022 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123027 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123026 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123028 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123032 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2123024 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123035 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123031 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2123023 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2123029 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2123030 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2123025 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123034 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123033 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120580 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2120581 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2097866 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121241 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123174 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2118164 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2123172 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123166 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2123168 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123171 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2116958 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2121238 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2118165 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2121243 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2121240 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2121239 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2123167 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2123173 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123169 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2114509 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123170 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2121244 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121245 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121242 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123177 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2118166 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123175 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123178 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123180 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2123179 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123176 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2123164 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2116952 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2103419 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2103417 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2104891 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2093569 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2108232 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2108233 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2104892 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2110684 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2113588 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2112669 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2110686 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2110685 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2112659 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2110658 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2111936 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2107755 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2112637 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2113601 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2113826 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2111926 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2112658 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2110689 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2110702 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2114557 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2112635 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2110693 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2114546 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2113586 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2114537 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2110677 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2114541 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2110675 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121286 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2113594 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2110680 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2113604 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2112671 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2110665 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2110662 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2110681 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2110695 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2110678 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2114554 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2110701 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2111922 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2110683 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2111917 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2113590 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2112639 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2112668 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2113605 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2114539 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2121280 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2111905 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2112653 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2104847 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2112624 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2110670 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2112648 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2114568 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2114553 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2110676 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2113597 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2114563 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2114572 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2110679 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2113583 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2111908 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2113828 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2113579 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2110698 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2111913 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2121309 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2121289 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2101847 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2101666 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2101842 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2101670 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2097730 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2098736 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2104484 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2096224 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2097749 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2098745 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2098769 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2101680 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2104832 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2093331 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2107735 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2090935 | XXXX | XXXX | XXXX | 3 | 1 | 4 | 1 | 3 | 1 | 1 | 1 C A | D A C | D A C | D A C | D A C | D A C |
| XXXX | 2093325 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2082098 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 1 | 1 C | A C | A C | A C | A C | A C |
| XXXX | 2117035 | XXXX | XXXX | XXXX | 2 | 2 | N/A | 1 | 2 | 2 | 1 | 1 B | N/A B | N/A B | N/A B | N/A B | N/A B |
| XXXX | 2107757 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2117029 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 4 | 1 | 1 | 1 C B | C B A D | C B A D | C B A D | C B A D | C B A D |
| XXXX | 2117045 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2117034 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2117031 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2117037 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120047 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2117040 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2120053 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121274 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121296 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2117044 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2117053 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121267 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2121287 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121276 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2121290 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2121293 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121294 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B | A C B | A C B | A C B | A C B | A C B |
| XXXX | 2121312 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120076 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121306 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A C | A C | A C | A C | A C |
| XXXX | 2121308 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121310 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120054 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2121307 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2120077 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120078 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2120072 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2121311 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2120062 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2117038 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2117043 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120058 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120073 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2117049 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120048 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2117047 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2121279 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2121283 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2121284 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2121285 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2120071 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120082 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120069 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120051 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120063 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2117039 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2121292 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120084 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B | A B | A B | A B | A B | A B |
| XXXX | 2117052 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2097748 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2091201 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2097745 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2091207 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 3 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2104850 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2111915 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120456 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120457 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120458 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120459 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120452 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120460 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120451 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A |
| XXXX | 2120453 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120455 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 3 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2098714 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2098718 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2107732 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120447 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120450 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120448 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2120449 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2094827 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2106835 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2121357 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2111979 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2099115 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 3 | 1 C B | C A B | C A B | C A B | C A B | C A B |
| XXXX | 2099113 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2094847 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |
| XXXX | 2094846 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | C A | C A | C A | C A | C A |
| XXXX | 2096203 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | C B A | C B A | C B A | C B A | C B A |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 4**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **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** | **ORIGINATION VALUES** | **AVM 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** | **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** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD 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** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 2098719 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098720 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096203 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -1.060% | XXXX | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093618 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093618-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093618-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093618-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093618-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093618-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099754 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099748 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2099755 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120580 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120581 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121247 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121247-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121247-02 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121247-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121247-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121246 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121248 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121249 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121250 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121250-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121250-02 | XXXX | XXXX | XX | XXXX |  | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121252 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123038 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123037 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123042 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123036 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -4.196% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123040 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -7.801% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123039 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-02 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-05 | XXXX | XXXX | XX | XXXX |  | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121253 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123043 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123041 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123023 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -9.600% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -4.800% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123025 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123030 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123024 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123033 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123028 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123029 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123031 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123032 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123034 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123035 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114509 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -9.341% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123167 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121238 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116952 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121240 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121239 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123164 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -3.162% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2118164 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116958 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121242 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123166 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2118165 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123171 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2118166 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121244 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121241 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121241-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121241-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121245 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121243 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123168 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123169 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123170 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 9.600% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123175 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123172 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123174 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123174-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123174-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123174-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123179 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123178 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123180 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123173 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -3.415% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123177 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123176 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107550 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 1710587 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114628 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107732 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098718 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2094827 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124325 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2119334 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098714 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120451 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2106835 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120460 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2094847 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.410% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099113 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120455 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120447 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2120450 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -3.571% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2120448 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2120449 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120452 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120456 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120457 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120458 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120459 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120453 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126876 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124323 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114649 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2119335 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126879 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121314 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2126877 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126878 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094846 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 0.676% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099115 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111979 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126875 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114643 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2126888 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114648 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126892 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2119332 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124322 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126893 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093602 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2119333 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2124324 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2119337 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124326 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119338 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121313 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126889 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121315 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 5.301% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124321 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124335 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 9.783% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124338 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -4.706% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2114658 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -5.473% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2119336 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114662 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2126891 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114665 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2124341 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2124340 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2114663 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126895 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114672 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 5.962% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2124339 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2114668 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124337 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114670 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2121316 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121317 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119339 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2119342 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114671 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -7.268% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119341 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121319 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121318 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114673 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -4.389% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121320 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2105029 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2124336 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124342 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2124356 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124353 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126894 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2126896 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124352 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114681 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119340 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2126898 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2124357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124351 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124355 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119343 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2124364 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2124362 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2114680 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2124363 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114618 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2126897 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124361 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2121323 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2121321 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114615 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124358 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2126901 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114683 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2119346 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126900 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114613 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119345 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126899 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121325 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2119344 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -7.073% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2121324 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124365 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2119347 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126902 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2114632 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124371 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2121326 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 13.087% | XXXX | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124370 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124369 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2124368 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119348 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2126907 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124366 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2119349 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121327 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124367 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2119350 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2121328 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124372 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114633 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2114634 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119351 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124311 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2126904 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114635 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2126903 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124313 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119352 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2119353 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2124375 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2119354 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126906 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121329 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124312 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126909 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124374 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | 2124373 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2121331 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2124314 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121332 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119355 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2121330 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2126873 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 1.508% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124327 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.695% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121334 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2119359 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119358 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126912 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2114630 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.661% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124318 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126914 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2124317 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124328 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119356 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2124316 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2124315 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2126911 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119362 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2126915 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2126916 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119360 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126913 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126910 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126919 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124329 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121335 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2124331 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124343 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2119363 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126917 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121333 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124330 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 6.032% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124333 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126865 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2119361 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126863 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2126866 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.391% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2126864 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126918 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126880 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126867 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2126882 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126869 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.099% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126881 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126870 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124334 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126868 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2124344 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2126885 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124347 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126884 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126886 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2126874 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124348 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2124345 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124350 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2126920 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124346 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126887 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2126883 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126921 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2126922 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2126928 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2126924 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2124349 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124359 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126927 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126923 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2126925 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2126926 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2121422 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX | XXXX |  |  |  |  |  |
| XXXX | 2103419 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108232 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121419 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121423 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121418 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121424 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.203% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120446 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120445 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120444 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103417 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.735% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093569 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2104891 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2104892 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2108233 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121425 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121426 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121420 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121421 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119365 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2119366 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123018 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123019 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2123021 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2097866 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2111905 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2111915 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2091207 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090935 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101842 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2082098 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107735 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121276 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.832% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113826 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2097745 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110658 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2098745 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2091201 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097730 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2112624 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101666 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2114537 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097748 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093331 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2101847 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2093325 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2096224 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2098736 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2117029 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101680 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 2101670 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104847 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2111908 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2098769 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2113594 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2104484 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117045 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2110662 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2110695 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121292 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2097749 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2104832 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114539 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.068% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| XXXX | 2110679 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117052 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2120047 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2114563 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2111913 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2104850 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110665 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2110701 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120054 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114541 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2111922 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2110670 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2112659 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2111917 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2117031 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121283 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121284 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121285 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2120063 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110675 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2110693 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121296 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113579 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2110676 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121274 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110686 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2112671 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107755 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2110677 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2110678 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2110680 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| XXXX | 2113583 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110681 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2111926 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2117040 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2113586 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2110689 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2112668 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2110702 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2112635 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2110683 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2113597 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2110684 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2114554 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2110685 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2112637 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2120048 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2112639 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2113828 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2113590 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121267 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2111936 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2114546 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2107757 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2112653 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2117034 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2112648 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2113601 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114568 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2117035 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113605 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114572 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.824% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113588 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2112658 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2112669 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117049 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2114553 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120051 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121279 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110698 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2114557 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2117037 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120053 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117039 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2117038 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120073 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | -3.333% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120058 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120071 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121294 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2121290 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117043 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117044 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2121293 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2113604 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120082 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| XXXX | 2120062 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117047 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121280 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2120069 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117053 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2121308 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2121306 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2121286 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.344% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2121287 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121307 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121289 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121312 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121309 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2120072 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120077 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120078 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121311 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2120076 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2120084 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2121310 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123017 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2123022 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 5**

---

| | |
|:---|:---|
| **Report Pulled:** | 2/26/2026 |
| **Loan Count:** | 465 / 499 |

---

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months | 31 | 6.67% |
| Appraised Value | 9 | 1.94% |
| CLTV | 10 | 2.15% |
| Debt Service Coverage Ratio | 195 | 41.94% |
| First Payment Due Date | 5 | 1.08% |
| Loan Purpose | 3 | 0.65% |
| LTV | 16 | 3.44% |
| Maturity Date | 15 | 3.23% |
| Original Interest Rate | 3 | 0.65% |
| Original Loan Amount | 1 | 0.22% |
| Original Qualifying FICO Score | 5 | 1.08% |
| Origination/Note Date | 17 | 3.66% |
| Originator Back-End DTI | 50 | 10.75% |
| Property Type | 10 | 2.00% |
| Subject Zipcode | 10 | 2.00% |
| The Original Principal and Interest Payment Amount | 4 | 0.86% |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 6**

---

| | |
|:---|:---|
| **Report Pulled:** | 2/26/2026 |
| **Loan Count:** | 465 / 499 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 2098720 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2096203 | XXXX | Original Qualifying FICO score | XXXX | XXXX |
| XXXX | XXXX | 2093618 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2093618 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2099754 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2099748 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2099748 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2099755 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2120580 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2121246 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2121246 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2121248 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121250 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121252 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2121252 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2123042 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2123036 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2121251-02 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2121251-03 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2121251-04 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2121251-05 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2121251-06 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2121251-07 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2121251-08 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2121251-09 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2121251-10 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2123043 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2123041 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2123041 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2123023 | XXXX | Loan Purpose | Cash Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2123026 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123027 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2123027 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123027 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2123025 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2123025 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2123024 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2123024 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123024 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2123033 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123031 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123031 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2123032 | XXXX | Property Type | Multi Family | 1 Family Attached |
| XXXX | XXXX | 2123035 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123167 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123167 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2123167 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2116952 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2116952 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2121239 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2123164 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2123164 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123164 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2118164 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2116958 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121242 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2121242 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121242 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2121242 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2121242 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2121242 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2121242 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2118165 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123171 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121244 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2121244 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2121244 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2121241 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2121241 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2121245 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121245 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2121243 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123168 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123169 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123169 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2123169 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2123170 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2123175 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123175 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2123174 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123174 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2123179 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123178 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123180 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2123180 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2123173 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123173 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2123177 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2123176 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123176 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2123176 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2123176 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2107550 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 1710587 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114628 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2107732 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2107732 | XXXX | Property Type | Townhouse | 1 Family Attached |
| XXXX | XXXX | 2098718 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094827 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124325 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124325 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2124325 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2119334 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2120460 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2120460 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2094847 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2094847 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2120456 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2120457 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2120459 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2120453 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2120453 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2124323 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114649 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2119335 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2119335 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121314 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2094846 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2099115 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126875 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114643 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2114648 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2119332 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124322 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126893 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2093602 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2119333 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2119333 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124324 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2124324 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2124324 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124324 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2119337 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124326 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119338 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2121313 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126889 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2121315 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124321 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124335 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124338 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114658 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2119336 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114662 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2126891 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114665 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124341 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124340 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114663 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2114672 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124339 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114668 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124337 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114670 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2121316 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121317 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2121317 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119339 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119342 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2119342 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114671 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2119341 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121319 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121318 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2121318 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114673 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2121320 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2121320 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2105029 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124336 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124336 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2124336 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2124336 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2124342 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124353 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126894 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124352 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114681 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2119340 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2119340 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126898 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124357 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124351 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124355 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119343 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124364 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124362 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114680 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124363 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114618 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2126897 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124361 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121323 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2121321 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114615 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124358 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126901 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2126901 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114683 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2119346 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2119346 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114613 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2119345 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2126899 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121325 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119344 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2119344 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121324 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124365 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119347 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2114632 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124371 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121326 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2121357 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2124370 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124369 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124368 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119348 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2119348 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126907 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124366 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119349 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121327 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124367 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2124367 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119350 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2121328 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124372 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114633 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2114634 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2119351 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124311 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126904 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114635 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2126903 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124313 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119352 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2119352 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119353 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2119353 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124375 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2124375 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119354 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2121329 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2121329 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124312 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124312 | XXXX | Property Type | Detached | 1 Family Attached |
| XXXX | XXXX | 2126909 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124374 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2124374 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2124374 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124373 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121331 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124314 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124314 | XXXX | Property Type | Condominium - Garden | Condo, High Rise - 5+ stories |
| XXXX | XXXX | 2121332 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121332 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2121332 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2119355 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2119355 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121330 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124327 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121334 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2121334 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2121334 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121334 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2119357 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2119359 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119358 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2114630 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2114630 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124318 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126914 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124317 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2124317 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124328 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119356 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2119356 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124316 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124315 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126911 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119362 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2126915 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119360 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124329 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2124329 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121335 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124331 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124343 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119363 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2126917 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121333 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124330 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124333 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126865 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2119361 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2126866 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126864 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2126864 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126882 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126869 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2126870 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124334 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2124334 | XXXX | Property Type | Condominium - High Rise | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2124344 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124347 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126884 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126886 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126874 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124348 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2124348 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124345 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124350 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126920 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126920 | XXXX | Loan Purpose | NoCash-Out Refinance | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2124346 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126922 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124349 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2124359 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2126927 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126925 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126926 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121419 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2103417 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2121420 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2119366 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2119366 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2123018 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2091207 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2082098 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2113826 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2098736 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2120063 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121274 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2117040 | XXXX | Loan Purpose | Cash-Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2117035 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2110698 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2120073 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2120073 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2117053 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2121306 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2121289 | XXXX | Property Type | Attached | Townhouse |
| XXXX | XXXX | 2120072 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2120078 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2120076 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123022 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126876 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2126876 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126879 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126877 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126878 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126888 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126892 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126895 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126896 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126900 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126902 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2126906 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126873 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2126873 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126912 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126916 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2126916 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126913 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126910 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2126910 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126919 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126863 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126918 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126880 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126867 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126881 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126868 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126885 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126887 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2126887 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126883 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2126883 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126921 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2126921 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126928 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2126928 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126924 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2126923 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Program** | **Document Type** | **Asset Depletion Flag** | **Length of Income Verification in months** | **Investment DSCR (Rent/PITIA)** | **Rent DSCR** | **PITIA DSCR** | **Number of Borrowers** | **Number of Natural Borrowers** | **Borrower/Guarantor Resident Indicator National** | **Co Borrower/Guarantor Resident Indicator** | **Borrower 3/Guarantor Resident Indicator** | **Borrower 4/Guarantor Resident Indicator** | **Borrower Guarantor/Employment Indicator** | **Co Borrower/Guarantor Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **TILA Status** | **Lease in-Place for Investment Property** | **Short Term Rental Flag** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11 (Application Date)** | **Months Bankruptcy 13 (Application Date)** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu (Application Date)** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC) (Application Date)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure (Application Date)** |
| XXXX | 2098719 | AMP Edison - D | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098720 | AMP Edison - I | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096203 | DSCR Fixed Rate 30yr term | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093618 | 30 Year Investor Product WITH Prepayment Penalty | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 |  | U.S. Citizen |  |  |  | Not Employed |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099754 | CCM I - \*BestEfforts Signature Expanded Platinum Investor Cash Flow DSCR 30 Yr Fixed (Alt-A) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099748 | CCM I - \*BestEfforts Signature Expanded Platinum Investor Cash Flow DSCR 5/6 ARM (Alt-A) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099755 | CCM I - \*BestEfforts Signature Expanded Platinum 30 Year Fixed Bank Statements (Alt-A) | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120580 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120581 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121247 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121246 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121248 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121249 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121250 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121252 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123038 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123037 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123042 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123036 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123040 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123039 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | Non-Permanent Resident-Alien |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121253 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123043 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123041 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX |
| XXXX | 2123023 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123025 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123030 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123024 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123033 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123028 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123029 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123031 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123032 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123034 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123035 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114509 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123167 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121238 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116952 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121240 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121239 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123164 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2118164 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2116958 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121242 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123166 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2118165 | 30 Yr Fixed DSCR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123171 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2118166 | 30-Year Fixed P&I | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121244 | 30-Year Fixed P&I | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121241 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121245 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121243 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123168 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123169 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Non-Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123170 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123175 | 30-Year Fixed P&I | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123172 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123174 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123179 | 30-Year Fixed P&I | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123178 | 30-Year Fixed P&I | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123180 | 30-Year Fixed P&I | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123173 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123177 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123176 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107550 | Valere- High Voltage 30 Year Fixed Bank Statements \*BestEfforts (Alt-A) | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1710587 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114628 | AHL CORR - NON-DEL All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107732 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098718 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094827 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124325 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119334 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098714 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120451 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2106835 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120460 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094847 | DSCR 5+ | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099113 | DSCR 5+ | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Non-Permanent Resident-Alien | Non-Permanent Resident-Alien |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120455 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120447 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120450 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120448 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120449 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120452 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120456 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120457 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120458 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120459 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120453 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126876 | AHL WS Invest Star - Fixed 40 Yr I/O (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124323 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114649 | AHL CORR - DEL All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119335 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126879 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121314 | AHL WS Invest Star Income - 30 Yr Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 4 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126877 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126878 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2094846 | Full Doc | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099115 | DSCR 40 yr Foxed 10 yr I/) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111979 | Foreign National DSCR 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126875 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114643 | AHL WS Prime Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126888 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114648 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126892 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119332 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124322 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126893 | AHL CORR - NON-DEL All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093602 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119333 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124324 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119337 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124326 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119338 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121313 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126889 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121315 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124321 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124335 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124338 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114658 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119336 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114662 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126891 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114665 | AHL CORR - DEL All Star - Fixed 30 Yr | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124341 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124340 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114663 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126895 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114672 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124339 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114668 | AHL CORR - NON-DEL All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124337 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114670 | AHL Invest Star Income - 30 Yr Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121316 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121317 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119339 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119342 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114671 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119341 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121319 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121318 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114673 | AHL CORR - NON-DEL All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121320 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2105029 | AHL WS Prime Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124336 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124342 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124356 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124353 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126894 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126896 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124352 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114681 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119340 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126898 | AHL WS Invest Star Income - 30 Yr Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124357 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124351 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124355 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119343 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124364 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124362 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114680 | AHL CORR - DEL Rising Star - Fixed 30 Yr | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124363 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114618 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126897 | AHL Invest Star Income - 30 Yr Fixed | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124361 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121323 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121321 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114615 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124358 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126901 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114683 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119346 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126900 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114613 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119345 | AHL WS All Star - Fixed 30 Yr | 2 Year Alt Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126899 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121325 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119344 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121324 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124365 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119347 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126902 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114632 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124371 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121326 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121357 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124370 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124369 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124368 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119348 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126907 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124366 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119349 | AHL CORR - DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121327 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124367 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119350 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121328 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124372 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114633 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114634 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119351 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124311 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126904 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114635 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126903 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124313 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119352 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119353 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124375 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119354 | AHL WS Invest Star Income - 30 Yr Fixed | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126906 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121329 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124312 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126909 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124374 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124373 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121331 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124314 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121332 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119355 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121330 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126873 | AHL WS Invest Star - Fixed 40 Yr I/O (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124327 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121334 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119357 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119359 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119358 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126912 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114630 | AHL WS All Star - Fixed 30 Yr | 2 Year Alt Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124318 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126914 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124317 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124328 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119356 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124316 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124315 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126911 | AHL CORR - DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119362 | AHL WS Invest Star Income - 30 Yr Fixed | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126915 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126916 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119360 | AHL WS Invest Star Income - 30 Yr Fixed | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126913 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126910 | AHL WS Invest Star - Fixed 40 Yr I/O (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126919 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124329 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121335 | AHL WS Invest Star Income - 30 Yr Fixed | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124331 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124343 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119363 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126917 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121333 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124330 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124333 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126865 | AHL CORR - DEL Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119361 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126863 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126866 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126864 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126918 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126880 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126867 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126882 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126869 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126881 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126870 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124334 | AHL WS Invest Star Income - 30 Yr Fixed | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126868 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124344 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126885 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124347 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126884 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126886 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126874 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124348 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124345 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124350 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126920 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124346 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126887 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126883 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126921 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126922 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126928 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126924 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124349 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2124359 | AHL WS All Star - Fixed 30 Yr | 1 Year Alt Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126927 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126923 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126925 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126926 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121422 | 30 YR | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103419 | Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108232 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121419 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121423 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121418 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121424 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120446 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120445 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120444 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2103417 | Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093569 | Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104891 | Fixed | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104892 | Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2108233 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121425 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121426 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121420 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121421 | 30 YR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119365 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2119366 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123018 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123019 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123021 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097866 | AQM30EP | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111905 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111915 | Non-QM 30 Year Fixed Bank Statement / Flex Income E32 | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091207 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2090935 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101842 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2082098 | Non-QM 7/6 30 Year Arm Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107735 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121276 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113826 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Self-Employed | Employed | Employed |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097745 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110658 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098745 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2091201 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097730 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112624 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101666 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114537 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097748 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093331 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101847 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093325 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2096224 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098736 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117029 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101680 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101670 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104847 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111908 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2098769 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113594 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104484 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117045 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110662 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110695 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121292 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen |  |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2097749 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104832 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114539 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110679 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117052 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120047 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114563 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111913 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | Self-Employed | Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2104850 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full Doc | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110665 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110701 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120054 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114541 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111922 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110670 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112659 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111917 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117031 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121283 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121284 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121285 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120063 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110675 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110693 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121296 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113579 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110676 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121274 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110686 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Not Employed | Self-Employed | Not Employed |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112671 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107755 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110677 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110678 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110680 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113583 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110681 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111926 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117040 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113586 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110689 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112668 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110702 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112635 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110683 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113597 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110684 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114554 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110685 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112637 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120048 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112639 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113828 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113590 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121267 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2111936 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114546 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107757 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112653 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117034 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112648 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113601 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114568 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117035 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113605 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114572 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113588 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112658 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112669 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117049 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114553 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120051 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121279 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110698 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2114557 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117037 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120053 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117039 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117038 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120073 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120058 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120071 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121294 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121290 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117043 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117044 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121293 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2113604 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120082 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120062 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117047 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121280 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120069 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117053 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121308 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121306 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121286 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121287 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121307 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121289 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121312 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121309 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120072 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120077 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120078 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121311 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120076 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120084 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121310 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123017 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123022 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Lease In Place Indicator** | **Short Term Rental indicator** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Rent from Lease** | **Rent from Market Survey** | **Business Expense-to-Income Ratio** | **Source of Business Expense-to-Income Ratio** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** |
| XXXX | 2098719 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098720 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Inter Vivos Trust |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 2 | 0 | 32 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2096203 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093618 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2093618-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093618-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093618-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093618-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2093618-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2099754 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2099748 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2099755 | Rebuttable Presumption Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120580 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120581 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121247 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121247-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121247-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121247-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121247-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121246 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121248 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121249 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121250 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121250-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121250-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121252 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123038 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123037 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123042 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123036 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123040 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123039 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121251 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121251-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121251-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121253 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123043 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123041 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123023 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123026 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123026-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123026-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123027-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-07 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-08 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-09 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123027-10 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123025 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123030 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123024 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123033 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123028 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123029 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123031 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123032 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123034 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123035 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114509 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123167 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121238 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116952 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121240 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121239 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AR | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123164 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2118164 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 1 | 0 | Inter Vivos Trust |  | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2116958 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121242 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 |  | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123166 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2118165 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123171 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2118166 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KS | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121244 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121241 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121241-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121241-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2121245 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121243 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123168 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 |  | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123169 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123170 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123175 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 |  | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123172 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123174 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 11 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123174-01 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123174-02 |  |  |  |  |  |  |  |  | 3 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123174-03 |  |  |  |  |  |  |  |  | 4 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123179 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123178 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123180 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123173 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OK | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123177 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123176 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107550 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 1710587 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114628 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107732 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098718 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094827 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 1 | 0 |  | TN | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124325 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119334 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098714 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120451 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2106835 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120460 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094847 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2099113 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120455 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120447 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120450 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120448 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120449 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120452 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120456 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120457 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120458 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120459 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120453 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126876 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124323 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114649 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119335 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126879 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WV | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121314 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 2 | 0 | XXXX |  | XXXX | XXXX | Standard Ratio per Guidelines |  |  | Market Survey | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126877 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126878 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2094846 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2099115 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | KS | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2111979 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126875 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 10 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114643 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126888 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114648 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 8 | 8 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126892 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119332 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124322 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126893 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093602 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119333 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124324 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119337 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124326 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119338 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 3 | 0 | 0 | 2 | 0 | 34 | 0 | 0 | 2 |
| XXXX | 2121313 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126889 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MA | 7 | 0 | XXXX |  | XXXX | XXXX | Business Expense Ratio Statement |  |  | Market Survey | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121315 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124321 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124335 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124338 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114658 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | AR | 4 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119336 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114662 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126891 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114665 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 3 |
| XXXX | 2124341 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124340 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114663 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126895 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114672 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 36 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 36 | 0 | 0 | 4 |
| XXXX | 2124339 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114668 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 33 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 33 | 0 | 0 | 2 |
| XXXX | 2124337 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114670 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 2 | 0 | XXXX | XXXX | XXXX | XXXX | Standard Ratio per Guidelines |  |  | Market Survey | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121316 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121317 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119339 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119342 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | AZ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114671 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 37 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119341 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121319 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121318 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114673 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121320 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2105029 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124336 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124342 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124356 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124353 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126894 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126896 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124352 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114681 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119340 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126898 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 41 | 0 |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124357 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124351 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124355 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119343 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124364 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124362 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114680 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 11 | 8 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 30 | 0 | 0 | 1 |
| XXXX | 2124363 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114618 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 2 |
| XXXX | 2126897 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 24 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 9 | 0 |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124361 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121323 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121321 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114615 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 0 |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124358 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126901 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114683 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119346 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126900 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114613 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119345 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126899 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121325 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119344 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121324 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124365 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119347 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 36 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126902 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 1 | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 24 | 0 | 0 | 4 |  |  |  |  |  |  |  |  |
| XXXX | 2114632 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 15 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124371 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WV | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121326 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 35 | 0 | 0 | 5 |  |  |  |  |  |  |  |  |
| XXXX | 2121357 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124370 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124369 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124368 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119348 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126907 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 | 0 | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124366 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119349 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121327 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124367 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119350 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121328 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124372 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114633 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 26 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114634 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119351 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124311 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126904 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114635 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 30 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2126903 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124313 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119352 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | CA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119353 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124375 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | CO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119354 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126906 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121329 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124312 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126909 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124374 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124373 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121331 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124314 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121332 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119355 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121330 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126873 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124327 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121334 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119357 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 35 | 0 | 0 | 3 |  |  |  |  |  |  |  |  |
| XXXX | 2119359 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119358 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126912 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114630 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |
| XXXX | 2124318 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126914 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124317 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124328 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119356 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124316 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124315 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126911 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119362 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126915 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126916 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119360 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 |  |  |  |  |  |  |  |  |
| XXXX | 2126913 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126910 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126919 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2124329 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121335 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  |  | Short Term Rental | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 |
| XXXX | 2124331 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124343 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119363 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 17 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126917 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121333 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124330 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124333 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126865 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2119361 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 13 | 0 |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126863 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126866 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126864 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126918 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126880 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126867 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126882 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126869 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126881 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126870 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124334 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 1 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126868 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124344 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126885 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124347 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126884 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126886 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126874 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124348 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124345 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124350 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126920 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124346 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126887 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126883 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NE | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126921 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126922 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126928 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126924 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124349 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2124359 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2126927 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126923 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OK | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126925 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2126926 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121422 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103419 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 9 | 0 | 0 | 6 |
| XXXX | 2108232 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121419 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121423 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121418 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121424 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120446 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120445 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120444 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2103417 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093569 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 |  | 0 | 0 |  | 4 | 0 |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104891 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104892 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2108233 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121425 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121426 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121420 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121421 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119365 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2119366 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123018 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123019 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123021 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097866 | Non-QM Verified | N/A |  | 1 | 0 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111905 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 40 |  |  |  |  | XXXX | Business Expense Ratio Statement |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111915 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 27 |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091207 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2090935 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 17 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101842 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2082098 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 20 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2107735 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121276 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2113826 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2097745 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2110658 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 17 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098745 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 27 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2091201 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097730 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2112624 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 |  | 0 |  |  | 1 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101666 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114537 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 |  | 0 |  |  | 25 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2097748 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2093331 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101847 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 2 | 0 | 33 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2093325 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 9 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2096224 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 2 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2098736 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117029 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101680 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 28 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2101670 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2104847 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111908 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2098769 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2113594 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 9 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104484 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 17 | 17 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2117045 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2110662 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110695 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121292 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2097749 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 13 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104832 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114539 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110679 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117052 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120047 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114563 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2111913 | Non-QM Non-Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 0 |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2104850 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  |
| XXXX | 2110665 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110701 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Profit and Loss Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120054 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114541 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111922 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110670 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2112659 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 9 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2111917 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117031 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121283 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121284 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121285 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120063 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AZ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2110675 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110693 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121296 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2113579 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110676 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121274 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2110686 | Rebuttable Presumption Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 12 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2112671 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107755 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110677 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110678 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110680 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2113583 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2110681 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 22 | 22 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |
| XXXX | 2111926 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117040 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2113586 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110689 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2112668 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110702 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 15 | 15 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2112635 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 6 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2110683 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 8 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2113597 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2110684 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114554 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 6 |
| XXXX | 2110685 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2112637 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120048 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2112639 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2113828 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 13 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2113590 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | XXXX | Business Expense Ratio Statement |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121267 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | TX | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2111936 | Rebuttable Presumption Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114546 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2107757 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2112653 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117034 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2112648 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2113601 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114568 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117035 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2113605 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2114572 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 2 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 20 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2113588 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 22 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2112658 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2112669 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117049 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114553 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120051 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121279 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2110698 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 3 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2114557 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2117037 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120053 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117039 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117038 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120073 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120058 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120071 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121294 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121290 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117043 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2117044 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121293 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2113604 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 0 | 26 |  |  |  | XXXX | Standard Ratio per Guidelines |  | XXXX |  |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120082 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120062 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2117047 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121280 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120069 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2117053 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121308 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121306 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121286 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121287 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121307 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121289 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121312 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2121309 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 8 | 0 |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120072 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120077 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120078 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121311 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2120076 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2120084 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2121310 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2123017 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AR | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2123022 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08**

![](ex9908001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary<br>EFMT 2026-NQM3<br>Dated: February 23, 2026<br>

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

![](ex9908002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

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

**Sample size of the assets reviewed.**

The final population of the Review covered 292 loans, including 206 Residential and 86 Business Purpose Loans totaling an aggregate original principal balance of approximately $159,917,964.00. 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 and Kroll Bond Rating Agency, LLC (KBRA), the NRSRO's 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 underwriting 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, included the following data fields:

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

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**<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 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 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

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include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

*Employment and Income:* 

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

*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*

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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.

*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>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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**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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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;202 | &nbsp;&nbsp;69.18% | &nbsp;&nbsp;202 | &nbsp;&nbsp;69.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.37% | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.37% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;86 | &nbsp;&nbsp;29.45% | &nbsp;&nbsp;86 | &nbsp;&nbsp;29.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**292** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**292** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;165 | &nbsp;&nbsp;56.51% | &nbsp;&nbsp;165 | &nbsp;&nbsp;56.51% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;127 | &nbsp;&nbsp;43.49% | &nbsp;&nbsp;127 | &nbsp;&nbsp;43.49% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**292** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**292** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;279 | &nbsp;&nbsp;95.55% | &nbsp;&nbsp;279 | &nbsp;&nbsp;95.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.45% | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**292** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**292** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;158 | &nbsp;&nbsp;54.11% | &nbsp;&nbsp;158 | &nbsp;&nbsp;54.11% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;134 | &nbsp;&nbsp;45.89% | &nbsp;&nbsp;134 | &nbsp;&nbsp;45.89% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**292** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**292** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;17 | &nbsp;&nbsp;292 | &nbsp;&nbsp;5.82% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;23 | &nbsp;&nbsp;292 | &nbsp;&nbsp;7.88% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;221 | &nbsp;&nbsp;292 | &nbsp;&nbsp;75.68% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;10 | &nbsp;&nbsp;292 | &nbsp;&nbsp;3.42% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;292 | &nbsp;&nbsp;2.40% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;292 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;10 | &nbsp;&nbsp;292 | &nbsp;&nbsp;3.42% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;31 | &nbsp;&nbsp;292 | &nbsp;&nbsp;10.62% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;292 | &nbsp;&nbsp;0.68% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;292 | &nbsp;&nbsp;0.68% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;292 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;292 | &nbsp;&nbsp;0.68% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;32 | &nbsp;&nbsp;292 | &nbsp;&nbsp;10.96% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;64 | &nbsp;&nbsp;292 | &nbsp;&nbsp;21.92% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;147 | &nbsp;&nbsp;292 | &nbsp;&nbsp;50.34% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;3 | &nbsp;&nbsp;292 | &nbsp;&nbsp;1.03% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;26 | &nbsp;&nbsp;292 | &nbsp;&nbsp;8.90% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;92 | &nbsp;&nbsp;292 | &nbsp;&nbsp;31.51% |

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**APPENDIX A**

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

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

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

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:**

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&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;&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;&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;&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;&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;&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;&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;&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;

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

&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> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XI) FIRREA Review**

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the 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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&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 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 1**

![](evolve-logo.jpg)

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| **Rating Agency Grades** |
| **Run Date - 02/23/2026 6:24:02 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** |
| 1685953 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1685955 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1687455 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687456 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687457 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685962 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687458 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685992 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1429693 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687966 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 1633739 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685993 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1681471 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1681272 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1683589 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685995 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1684842 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680948 | XXXX | XXXX | XXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 1686000 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686004 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1686007 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681002 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687511 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1685616 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686010 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681522 | XXXX | XXXX | XXXX C | D | D | D | D | D C B | A | A | A | A | A B |
| 1687251 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687252 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687253 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1685384 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687254 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1686016 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1686017 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1686018 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1686021 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684911 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687255 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686023 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686024 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1686025 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686028 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1686029 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686030 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686032 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687256 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686033 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686034 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1686035 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686036 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687258 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687259 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686041 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1686042 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686043 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686047 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686048 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686050 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687261 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686052 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686053 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686054 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686055 | XXXX | XXXX | XXXX C | C | C | C | C | C B | A | A | A | A | A B |
| 1686059 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687262 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687263 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686060 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687065 | XXXX | XXXX | XXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 1686064 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687265 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686067 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1686068 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686069 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1687266 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686072 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686074 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1686075 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686077 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686078 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686079 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686080 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687267 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686082 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686084 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686085 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686086 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686088 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685241 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 1686089 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1686090 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687268 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686091 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686092 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686094 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686095 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687832 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1686096 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686097 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686098 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686101 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685046 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686103 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686104 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686105 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687269 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686106 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686109 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686111 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686112 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686113 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1686114 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1686115 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686116 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686117 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686118 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686119 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1686120 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686121 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686122 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686725 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686125 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686126 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686128 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686130 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686132 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686133 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686138 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686139 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686140 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1686142 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686145 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686147 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686149 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687274 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686151 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1686152 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687275 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687276 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687277 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687278 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687280 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686154 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1686155 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686157 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686160 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687281 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687282 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686721 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686163 | XXXX | XXXX | XXXX C | C | C | C | C | C A | B | B | B | B | B A |
| 1687285 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687286 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687287 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687289 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686167 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686168 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1686169 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686173 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686174 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686175 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686176 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687292 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1686178 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686179 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1686180 | XXXX | XXXX | XXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1687295 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687296 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686186 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687297 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687298 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687299 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686189 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687300 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687301 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686195 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687302 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686196 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686197 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686722 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687304 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687305 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686199 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686201 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687307 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1686203 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687308 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686204 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686208 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1687310 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686210 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687311 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686211 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1687312 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686213 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687313 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686214 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687314 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687315 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687316 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687317 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687319 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1686216 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686217 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686219 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687320 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687321 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687322 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687323 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1686221 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687325 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1686224 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686225 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686226 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687328 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686229 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686230 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687329 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686232 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686234 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686235 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1686238 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687334 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686301 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1687336 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686239 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686240 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687337 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686241 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687340 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1687341 | XXXX | XXXX | XXXX B | A | A | A | A | A B | A | A | A | A | A B |
| 1687663 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1687342 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687343 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686243 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687345 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687346 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687347 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1687349 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687350 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1687351 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687352 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687353 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687354 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1686247 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687356 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686248 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687357 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687610 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687359 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687360 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687361 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687363 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1686251 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687366 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686252 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687368 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687370 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686253 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1687373 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687375 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687376 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687377 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687378 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1687379 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687381 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687382 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686254 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687384 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687385 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686255 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687387 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1687388 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687389 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687568 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687393 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687395 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687397 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687400 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687401 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687403 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687405 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1687406 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687408 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687410 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1687413 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687416 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687417 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687484 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687422 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687425 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687426 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1687427 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687428 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687429 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |

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## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 2**

![](evolve-logo.jpg)

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| |
|:---|
| **Exception Detail** |
| **Run Date - 02/23/2026 6:24:02 AM** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1429693 | XXXX | XXXX | 7244030 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing tax transcripts on Full Doc | received |  |  | 08/24/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | A | A C |  | QM Rebuttable Presumption | 1 |
| 1429693 | XXXX | XXXX | 7244031 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Private party VOR is not acceptable. Rent history must be verified by cancelled checks or institutional VOR. |  | Compensating Factors: 31.66 months reserves, $6134.39 residual income, 7 year job history with current employer |  |  |  | 08/02/2022 B | 2 | XXXX | CA | 1 | 13 C B | A | A C |  | QM Rebuttable Presumption | 1 |
| 1429693 | XXXX | XXXX | 7244032 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Missing 1004D for subject property. Appraisal is subject to CO/Smoke detector installed on 2nd level | document provided |  |  | 08/03/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | A | A C |  | QM Rebuttable Presumption | 1 |
| 1680948 | XXXX | XXXX | 7214932 | 1108 | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | XXXX appraisal report for the subject property is missing. XXXX guidelines, a second appraisal is required in place of a desk review for purchase or refinance transactions with loan amounts exceeding XXXX million. XXXX subject loan amount is XXXXXX | Received XXXX appraisal |  |  | 10/27/2025 |  | A | 1 | XXXX | WA | 1 | 1 D B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1680948 | XXXX | XXXX | 7214934 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX of XXXX exceeds the guideline maximum of XXXX |  | Client XXXX with XXXXXX XXXX XXXX credit payment history; XXXX months reserves when only XXX months required, XXXXX has been employed with the same company for XX years where only XX years are required and XXXX income of XXXXXX where only XXXX required. |  |  |  | 10/26/2025 B | 2 | XXXX | WA | 1 | 1 D B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1680948 | XXXX | XXXX | 7214935 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXX for the XXXXX was used in qualification. |  | Client XXXX with XXXXXX XXXX XXXX credit payment history; XXXX months reserves when only XXX months required, XXXXX has been employed with the same company for XX years where only XX years are required and XXXX income of XXXXXX where only XXXX required. |  |  |  | 10/26/2025 B | 2 | XXXX | WA | 1 | 1 D B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1680948 | XXXX | XXXX | 7214936 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for a XXXX XXXX XXXX XXXX with loan amount of XXXX is XXXX with a XXXX XXXX XXXX in file for XXXX including XXXX stacked points. |  | Client XXXX with XXXXXX XXXX XXXX credit payment history; XXXX months reserves when only XXX months required, XXXXX has been employed with the same company for XX years where only XX years are required and XXXX income of XXXXXX where only XXXX required. |  |  |  | 10/27/2025 B | 2 | XXXX | WA | 1 | 1 D B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1681002 | XXXX | XXXX | 7215040 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX XXXX XXXX required. XXXX XXXX XXXX XXXX required, XXXX XXXX approved by XXXX XXXX |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX has excellent mtg payments with no lates, over XX million in assets, XXXX mo. reserves over XXXX required. XXXX in residual income. XXXX XXXX XXXX under max allowed of XXXX |  |  |  | 11/04/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1681471 | XXXX | XXXX | 7242999 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX expired. XXXX are valid for XXXX days. XXXX appraisal is dated XXXX note date XXXX = XXXX days. |  | Exception approval received for expired appraisal. XXXXXX XXXX - XXXXXX XXXX XX mortgage paid XXXX in file since XXXX employment information provided although not required; additional XXXX months reserves more than required XXXX months) |  |  |  | 11/18/2025 B | 2 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681471 | XXXX | XXXX | 7243000 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for a XXXX XXXX short term rental is XXXX XXXX XXXX in file for XXXX XXXX XXXX cash out refinance. |  | Compensating XXXX XX mortgage paid XXXX in file since XXXX employment information provided although not required; additional XXXX months reserves more than required XXXX months) |  |  |  | 11/18/2025 B | 2 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681471 | XXXX | XXXX | 7243001 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX out for a XXXX XXXX short term rental with fico < XXXX is XXXX |  | Exception approval received for cash out XXXX and XXXX XXXXXX XXXX XX mortgage paid XXXX in file since XXXX employment information provided although not required; additional XXXX months reserves more than required XXXX months) |  |  |  | 11/18/2025 B | 2 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681522 | XXXX | XXXX | 7243113 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX subject property is in an area with declining property values. |  | Client waived with compensating factors. XXXX borrower has been in the residence for XX years. XXXX borrower has a mortgage history XXXX with the required mortgage history of XXXX XXXX residual income is XXXX and the minimum residual income is XXXXXX |  |  |  | 11/07/2025 B | 2 | XXXX | FL | 1 | 13 D B C | D | A C B |  | Non-QM | 1 |
| 1684911 | XXXX | XXXX | 7486288 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX is a non-arms length transaction. XXX per XXXX guidelines, XXXX approval is required for XXXX homes or XXXX properties. XXXX is an investment property. |  | Received management approval for non-arms length transaction. XXXX factors - credit history since XXXX over XXX months reserves, score XXX |  |  |  | 12/09/2025 B | 2 | XXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1684911 | XXXX | XXXX | 7486289 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX XXXX and XXXX XXXX XXXX XXXX payments were paid as agreed. |  | Received exception for lack of XX mortgage payments. XXXX factors - credit history since XXXX over XXX months reserves, score XXX |  |  |  | 12/10/2025 B | 2 | XXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1685046 | XXXX | XXXX | 7486493 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX require a XXXX XXXX XXXX be completed for all XXXX statement loan documentation programs. XXXX completed and signed XXXX | Received XXX |  |  | 12/15/2025 |  | A | 1 | XXXX | TX | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1685241 | XXXX | XXXX | 7672085 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 01/02/2026 |  | A | 1 | XXXX | TN | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1685241 | XXXX | XXXX | 7672087 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge CD provided |  |  | 12/16/2025 |  | A | 1 | XXXX | TN | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1685241 | XXXX | XXXX | 7672088 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines Asset Depletion income to max 30% of total income if post closing assets are 200k-500k. Deviation Request Asset depletion income (with under $500k post closing) is over 30% of total income. |  | COMPENSATING FACTORS: Client Waived with Comp Factors: Excellent mtg payment history no lates, Excellent credit payment history no derogs, FICO 804 over min required FICO of 660. Low LTV 36.618% under 80% max LTV. Low DTI 27.55% under max of 50% DTI, Excellent reserves of 237.22 mo over 0 required for LTV < 65%. |  |  |  | 12/16/2025 B | 2 | XXXX | TN | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1685241 | XXXX | XXXX | 7672089 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide updated loan approval to reflect actual loan amount as per Note and final CD. | Received revised approval with loan of $XXXX |  |  | 12/17/2025 |  | A | 1 | XXXX | TN | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1685384 | XXXX | XXXX | 7561318 | 685 | XXXX | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - Borrower names (Match to mortgage) If different audit for name affidavit |  | Vested in name on Title does not match names listed in appraisal and sales contract | Information provided |  |  | 01/06/2026 |  | A | 1 | XXXX | MA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1685953 | XXXX | XXXX | 7738408 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrowers living rent free with anyone other than a spouse are not eligible; however, could be reviewed for exception. Allow borrower who has been living rent free for the past two years with her uncle. She contributes to household expenses on an informal basis, but does not have a lease or regular rent payments. |  | Client Waived with Compensating Factors: 0x30x38 mortgage payment history, Residual income of $3,776.22, Reserves of 20.29 months after closing where only 3 months were required and 770 fico score where the minimum required is 700. |  |  |  | 08/18/2025 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Exempt | 1 |
| 1685955 | XXXX | XXXX | 7738409 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing verbal verification of employment for the borrower's business dated within 20 business days of closing. Note date XXXX. CPA Letter dated XXXX | Received current internet search |  |  | 09/18/2025 |  | A | 1 | XXXX | CA | 1 | 3 D A | A | A |  | Exempt | 1 |
| 1685955 | XXXX | XXXX | 7738410 | 1018 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | Missing evidence of the existence of the borrower's business independently verified through a disinterested third party dated within 10 business days of closing. Note date XXXX; Secretary of State datedXXXX. CPA Letter dated XXXX | Received current internet search |  |  | 09/18/2025 |  | A | 1 | XXXX | CA | 1 | 3 D A | A | A |  | Exempt | 1 |
| 1685992 | XXXX | XXXX | 7741986 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 01/05/2026 |  | A | 1 | XXXX | NC | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1685992 | XXXX | XXXX | 7741987 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | 0% tolerance violation for increase in Credit Report Fee without a valid COC. Total tolerance violation of $42.80. A refund in the amount of $42.80 along with Post CD, lox to borrower, copy of refund check and proof of delivery required within 60 days from consummation date of XXXX. | Information provided |  |  | 01/05/2026 |  | A | 1 | XXXX | NC | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1685992 | XXXX | XXXX | 7741988 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Guidelines Max LTV 75% with Loan amount of $XXXX Deviation request Allow 80% LTV with Loan amount of $XXXX. |  | COMPENSATING FACTORS: Client Waived with Comp Factors: Excellent mtg history no lates, Excellent credit history with no derogs, FICO 791/777 above required FICO of 700. DTI of 40.026% under max allowed of 50% when LTV is =<80%. Excellent reserves of 129.28 months over 12mo. reserves required. |  |  |  | 12/29/2025 B | 2 | XXXX | NC | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1685992 | XXXX | XXXX | 7741989 | 906 | XXXX | Credit | UW Other |  | UW Other - UW – Closing Disclosure to showing the following debts being paid off |  | Final CD for refinance of Investment property at XXXX was paid off and verify PITIA for new mortgage to verify rental income/loss is required and not in file. | Received CD for refinance. New PITI = $5,379. Rental Loss = $2,580 |  |  | 12/30/2025 |  | A | 1 | XXXX | NC | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1685993 | XXXX | XXXX | 7741990 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received |  |  | 01/06/2026 |  | A | 1 | XXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686000 | XXXX | XXXX | 7742000 | 204 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Property address (legal description acceptable) missing |  | Insurance verification does not list the purchase address, XXXX. No insurance on file for the purchase address | Information provided |  |  | 12/17/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686016 | XXXX | XXXX | 7742032 | 447 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | Guidelines for the Super-Prime/Alt-A Bank Statement loan program require a borrower be self-employed a minimum of 2 years. Borrower has been s/e less than 2 full years (18 months). |  | Compensating Factors: In file since 2015; Assets after Close $167k+; Residual-$7k+; good w-2 job time but less than 2 years self-employed |  |  |  | 12/30/2025 B | 2 | XXXX | AK | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686017 | XXXX | XXXX | 7742033 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX required client approval for rural property as per the XXXX XXXX loan program. XXXX submit. |  | Exception approval received for rural property/ XXXX XXXX XXX months reserves- min XX months |  |  |  | 01/13/2026 B | 2 | XXXX | MO | 1 | 3 C B A | A | A C B |  | Non-QM | 1 |
| 1686017 | XXXX | XXXX | 7742034 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX subject property is rural property over the maximum acreage of XXX acres. XXXX subject is XXXX XXXX |  | Exception approval received for acreage/ XXXX XXXX XXX months reserves- min XX months |  |  |  | 01/13/2026 B | 2 | XXXX | MO | 1 | 3 C B A | A | A C B |  | Non-QM | 1 |
| 1686018 | XXXX | XXXX | 7742036 | 447 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | Guidelines require a minimum of 2 years self-employment for the Super-Prime/Alt-A Bank Statement loan program. Borrower has only owned business for 1 year. |  | Compensating Factors: Pride in ownership living in primary for 2 years; experienced investor (owns 2 properties); FICO 812, no derogatory credit and mortgages all paid AA for 52 months. |  |  |  | 12/22/2025 B | 2 | XXXX | CA | 1 | 3 D B | A | A |  | Non-QM | 1 |
| 1686024 | XXXX | XXXX | 7742049 | 435 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit report is expired |  | The credit report is expired. As per Super Prime Alt A guideline, The original credit bureau report must not be older than 75 days as of the date the loan documents are cleared. The credit report is 83 days old. |  | Client waived with compensating factors: LTV is 64% max LTV is 90%. FICO is 764, minimum FICO is 660. The residual income is $3,483.11 and the required residual income is $1,500. |  |  |  | 12/20/2025 B | 2 | XXXX | NJ | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686025 | XXXX | XXXX | 7742050 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines for the asset depletion loan program allow minimum assets gross (post close) below $500,000 and above $200,000 accepted with >720 FICO, not to exceed 30% of income. Assets after close of $295,989.38 were utilized and the monthly income utilized was greater than 30%. |  | Exception approval received for income. Compensating Factors - Credit since 2021, reserves $288K, residual income $3,839 |  |  |  | 12/22/2025 B | 2 | XXXX | TN | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686028 | XXXX | XXXX | 7741509 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max DTI 45% for Borrowers receiving fixed income. Subject DTI 49.94%. B1 receives disability income, B2 receives SSI and retirement income, B3 receives SSI. |  | Client waived with Compensating factors: 15.52 months reserves, 55.55% LTV. |  |  |  | 01/02/2026 B | 2 | XXXX | IL | 1 | 3 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1686028 | XXXX | XXXX | 7741510 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Short term disability income not permitted. Updated loan approval allowing B1 short term disability income required. |  | Sr. Management approval to proceed with short term disability income. Client waived with Compensating factors: 15.52 months reserves, 55.55% LTV. |  |  |  | 01/02/2026 B | 2 | XXXX | IL | 1 | 3 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1686028 | XXXX | XXXX | 7741511 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Divorce decree or separation agreement signed by magistrate addressing alimony and child support obligation for B1 missing from file. |  | Approved to proceed without divorce decree. The courts have not yet addressed if alimony or child support will be required. Client waived with Compensating factors: 15.52 months reserves, 55.55% LTV. |  |  |  | 01/02/2026 B | 2 | XXXX | IL | 1 | 3 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1686028 | XXXX | XXXX | 7741512 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | LOE/Certification from Borrower verifying Borrower will be returning to work/date missing from file. | Employer letter provided |  |  | 12/23/2025 |  | A | 1 | XXXX | IL | 1 | 3 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1686028 | XXXX | XXXX | 7741513 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing completed |  |  | 12/30/2025 |  | A | 1 | XXXX | IL | 1 | 3 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1686028 | XXXX | XXXX | 7741515 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The credit report is missing from the loan file. The credit review is on hold until documents are received. | Credit report received |  |  | 12/16/2025 |  | A | 1 | XXXX | IL | 1 | 3 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1686030 | XXXX | XXXX | 7742055 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge loan CD provided |  |  | XXXX |  | A | 1 | XXXX | MO | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686030 | XXXX | XXXX | 7742056 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max DTI for Fixed Income borrowers is 45%. Borrower has DTI of 47.63% DTI. Exception approval in file allowing for 47.63% DTI |  | Compensating Factors: LTV of 52.95% lower than mac LTV of 90%. Reserves of $2953 greater than required $0. Mid FICO of 812 greater than minimum of 660. Payment shock of 97% less than max payment shock of 300%. |  |  |  | XXXX B | 2 | XXXX | MO | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686033 | XXXX | XXXX | 7742062 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX age for all programs is XXX XXXX or less. XXXX XXXX in file allowing for credit to extend to XXX days. |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where XXXX is required, XXXX of reserves when only XXXX required, XXXX of XXXX when only XXXX is rquired. |  |  |  | 01/13/2026 B | 2 | XXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1686034 | XXXX | XXXX | 7742066 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 12/30/2025 |  | A | 1 | XXXX | MA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1686034 | XXXX | XXXX | 7742067 | 970 | XXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | Initial CD is missing. | Information provided |  |  | 12/30/2025 |  | A | 1 | XXXX | MA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1686035 | XXXX | XXXX | 7742071 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge CD provided |  |  | XXXX |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686035 | XXXX | XXXX | 7742072 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As per XXXX guidelines, the maximum payment shock is 3X. Loan exceeds it at over 4X due to current O/O has been owned free and clear. |  | Client Waived with Compensating Factors: 0x30x76 on NOO property mortgage. Borrower has 163.41 months reserves. Zero reserves are required. Borrower qualifies for 80% with a 734 score but LTV of loan is 46.877. |  |  |  | XXXX B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686036 | XXXX | XXXX | 7742078 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX to XXXX days old max. |  | Compensating XXXX XXXX months of reserves when only XX months required. XXXX of XXXX where the max allowed is XXXX and XXXX of XXXX where the max allowed is XXXX |  |  |  | 01/12/2026 B | 2 | XXXX | HI | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1686036 | XXXX | XXXX | 7742079 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX are over XXX days old. |  | Compensating XXXX XXXX months of reserves when only XX months required. XXXX of XXXX where the max allowed is XXXX and XXXX of XXXX where the max allowed is XXXX |  |  |  | 01/12/2026 B | 2 | XXXX | HI | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1686041 | XXXX | XXXX | 7742083 | 443 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Alimony/Child Support income not documented |  | Missing copy of recorded final Divorce Decree and/or Court Ordered Child Support documents to support monthly XXXX. | Received recorded divorce decree to support the child support income. |  |  | 12/17/2025 |  | A | 1 | XXXX | MD | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1686043 | XXXX | XXXX | 7742084 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX out on the XXXX XXXX XXXX XXXX is XXXXX XXXX closed with XXXX cash back to borrower. XXXX XXXX in file allowing for cash back to borrower greater than XXXX |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX reserves when only XXXX required, residual income of XXXX when only XXXX is required. |  |  |  | 01/12/2026 B | 2 | XXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1686043 | XXXX | XXXX | 7742085 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX XXXX requires XXXX XXXX or XXXX for the use of XXXX XXXX XXXX XXXX approval from senior management in file allowing the use of appraiser's XXXX XXXX XXXX XXXX instead. |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX reserves when only XXXX required, residual income of XXXX when only XXXX is required. |  |  |  | 01/12/2026 B | 2 | XXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1686047 | XXXX | XXXX | 7742089 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX borrower is a XXXX XXXX XXXX and the rental verification is not completed by a management company. XXXX borrower rents from a private party, which requires client approval. XXXXXX XXX months cancelled rent checks are missing and the rent amount is missing from the statement from the private party landlord. XXXX send the appropriate documentation or exception approval. | Rental XXXX XXXX by XXX XXXXXX XXXX for rent match application on business XXXX statements- XXXX per months-no lease and change in ownership no new lease was obtained as the borrower planned to vacate. |  |  | 01/19/2026 |  | A | 1 | XXXX | NH | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686048 | XXXX | XXXX | 7742091 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge CD received |  |  | 12/11/2025 |  | A | 1 | XXXX | NV | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686048 | XXXX | XXXX | 7742092 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines . Payment Shock above 3.0x is permitted with senior management approval. Borrowers payment shock is 3.6 and requires Sr management approval. |  | Received Exception Approval for payment shock. Compensating Factors - 14 year history in primary home, score 796, employment history 3 years. |  |  |  | 12/15/2025 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686052 | XXXX | XXXX | 7742097 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX program requires borrowers to have experience managing multi-family investment properties. XXXX in file approving borrower with no multifamily investment experience. |  | Client waived with compensating factors: XXXX owns XXX XXXX investment properties dating back to XXXX XXXX XXXX when the maximum XXXX is XXXX XXXX XXXX when the minimum requirement is XXXX XXXX months reserve when the minimum requirement is XX months. |  |  |  | 01/15/2026 B | 2 | XXXX | OR | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1686053 | XXXX | XXXX | 7742098 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge CD provided |  |  | 12/11/2025 |  | A | 1 | XXXX | CA | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686055 | XXXX | XXXX | 7742101 | 352 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Not Eligible for escrow waiver |  | Impound/Escrow accounts are required on all owner-occupied transactions. |  | Client Waived with compensating factors: 0 months PITIA reserves required when LTV is less than 65%, 58.54% LTV and 86 months reserves with cash-in hand. Property is rural residential at 7.17 ac. 771 FICO with a LTV 58.548% where a 680 FICO and 75% LTV are required. |  |  |  | 12/31/2025 B | 2 | XXXX | TX | 1 | 13 C B | C | A C B |  | Non-QM | 1 |
| 1686055 | XXXX | XXXX | 7742103 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 01/07/2026 |  | A | 1 | XXXX | TX | 1 | 13 C B | C | A C B |  | Non-QM | 1 |
| 1686059 | XXXX | XXXX | 7742110 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Guidelines require for a private mortgage copies of canceled checks, bank statements, or an acceptable private party VOM. The loan analysis reflected a VOM was provided but was not located in the file. Provide VOM. | Received payment history for Private VOM |  |  | 12/16/2025 |  | A | 1 | XXXX | NJ | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1686064 | XXXX | XXXX | 7742120 | 379 | XXXX | Credit | UW Other |  | UW Other - UW - Letter of Explanation |  | Twelve-month payment history will be verified by XXXX. Verification may be in the form of either copies of front and back of 12 months canceled checks or a written verification (VOR) from a bona fide management company (411 listed) or private party. |  | Client waived with compensating factors: Bank statements reflect payments monthly equal to rent. 792 FICO where a minimum 700 FICO required. 27.796% DTI where max DTI = 45%. |  |  |  | XXXX B | 2 | XXXX | HI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686067 | XXXX | XXXX | 7742124 | 447 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXX require borrowers to be self-employed a minimum of XX years. XXXX has been self-employed less than XX years XXXX months). |  | Compensating XXXX XXXX residual income XXXXXX all cash-out being used to improve subject property, property value will increase with improvements. |  |  |  | 01/06/2026 B | 2 | XXXX | TX | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1685616 | XXXX | XXXX | 8113496 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge CD provided |  |  | 12/10/2025 |  | A | 1 | XXXX | NJ | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1686068 | XXXX | XXXX | 7742125 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for payment shock 33.29x > 3.0x, for borrowers who own their current home free and clear payment shock is considered for reasonableness as required per guidelines. |  | Client Waived with Compensating Factors: LTV of 71.575% where the maximum allowed is 80%, 85.54 months reserves when only 6 months required, DTI 43.724 < the maximum allowed of 50%, Residual income of $12,937.90 exceeds the minimum required of $1,500, and 801 fico score where the minimum required is 660. |  |  |  | 12/30/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686068 | XXXX | XXXX | 7742126 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for one frozen credit report, utilizing the lower of the two scores to qualify as required per guidelines. |  | Client Waived with Compensating Factors: LTV of 71.575% where the maximum allowed is 80%, 85.54 months reserves when only 6 months required, DTI 43.724 < the maximum allowed of 50%, Residual income of $12,937.90 exceeds the minimum required of $1,500, and 801 fico score where the minimum required is 660. |  |  |  | 12/30/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686068 | XXXX | XXXX | 7742127 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge loan CD received. |  |  | 12/30/2025 |  | A | 1 | XXXX | GA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686069 | XXXX | XXXX | 7742129 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until the documentation is received. | Bridge CD provided |  |  | 12/15/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1686074 | XXXX | XXXX | 7742136 | 447 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | The employment history requirement for a self-employed individual is 2 years in the same business for the Super Prime/Alt-A Program and Expanded Program. Self-employed income from a business that has been opened less than 2 years but more than 1 year is acceptable with senior management approval. |  | Client waived with compensating factors: B2 employed in same industry prior to owning business. Mtg credit history pd 0x30/23 months. B1 is w2 employee. |  |  |  | 12/24/2025 B | 2 | XXXX | AL | 2 | 1 D B | A | A |  | Non-QM | 1 |
| 1686078 | XXXX | XXXX | 7742142 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The borrower's credit report is missing from the loan file. The credit review is on hold until documents are received. | The credit report has been provided |  |  | 12/10/2025 |  | A | 1 | XXXX | MT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686078 | XXXX | XXXX | 7742143 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Per guidelines A First Time Home Buyer is required to document rental history with 12-months cancelled rent checks or management company VOR. The VOR in the loan file is completed by the property seller and is ineligible. Additional documentation provided confirms rent receipt in the amount of $1,700 for the months January-May, July, August, November 2025 and December 2024 but is missing June, September and October 2025 rent payment verification for a complete 12-months rental payment history. |  | Received exception approval for lack of rent payments. Compensating Factors: Borrower 730 FICO and Non-Occupant Borrower 746 FICO both > 680 minimum FICO required, B2 has a 25-year Self Employment history, B1 credit paid as agreed, and DTI of 36.397% where the maximum allowed is 45%. |  |  |  | 12/16/2025 B | 2 | XXXX | MT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686078 | XXXX | XXXX | 7742144 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception need for borrower credit history of 2 tradelines, 2 active tradelines both with a 2-year history and per guidelines the minimum tradeline requirement is 4 tradelines, at least 2 active and a tradeline history of 2-years. |  | Client Waived with Compensating Factors: Borrower 730 FICO and Non-Occupant Borrower 746 FICO both > 680 minimum FICO required, B2 has a 25-year Self Employment history, B1 credit paid as agreed, and DTI of 36.397% where the maximum allowed is 45%. |  |  |  | 12/11/2025 B | 2 | XXXX | MT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686082 | XXXX | XXXX | 7742146 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | No mortgage history since 6/2025. Property was sold in 12/2025. | The mortgage reporting on the credit is not Borrower's primary (it is daughter's house and she was making the payments) Borrowers primary is and has been owned free and clear. Title to these 2 properties were changed to the correct occupants 10.7.25. |  |  | 01/02/2026 |  | A | 1 | XXXX | GA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686086 | XXXX | XXXX | 7742151 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Payment shock over 5 |  | Compensating Factors; Primary residence owned free & clear for 5 years. Residual income of $31,539 exceeds program minimum requirements, and 361 months of reserves. |  |  |  | XXXX B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686089 | XXXX | XXXX | 7742154 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX subject property was listed for sale on XXXX and expired XXXX per the appraisal report. XXXX loan application date is XXXX and per guidelines is ineligible for a rate/term refinance as the subject property must be taken off the market on or before the application date. |  | Exception approval received for listing. XXXXXX XXXX - XXXXX investor, score XXXX min XXXX XXX months reserves- minimum XX months |  |  |  | 01/13/2026 B | 2 | XXXX | OK | 3 | 3 D B | N/A | N/A |  | Exempt | 1 |
| 1686089 | XXXX | XXXX | 7742155 | 445 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXX documentation to verify receipt of the XXXX month rent payment on XXXX in the amount of XXXXX (prorated based on the monthly XXXX rent) for the subject property as required per guidelines when using the higher of the gross rents from the lease agreement of XXXX vs the XXXX XXXX amount of XXXX to qualify under the XXXX program. XXX file provided lease agreement signed and dated and tenant ledger verified XXXX security deposit receipt paid on XXXXX |  | Exception approval received for security deposit. XXXXXX XXXX - XXXXX investor, score XXXX min XXXX XXX months reserves- minimum XX months |  |  |  | 01/13/2026 B | 2 | XXXX | OK | 3 | 3 D B | N/A | N/A |  | Exempt | 1 |
| 1686095 | XXXX | XXXX | 7742156 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX contributions exceed the actual closing costs. XXXX costs XXXXX and seller contributions XXXX |  | Client waived with compensating factors: XXXX XXXX when minimum requirement of XXXX XXXX paid as agreed. XXXX XXXX when max allowed is XXXX |  |  |  | 01/16/2026 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686095 | XXXX | XXXX | 7742157 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XX months reserve required. XXXX reserves XXXX months. |  | Client waived with compensating factors: XXXX XXXX when minimum requirement of XXXX XXXX paid as agreed. XXXX XXXX when max allowed is XXXX |  |  |  | 01/09/2026 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686097 | XXXX | XXXX | 7742158 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge CD received |  |  | 12/29/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686097 | XXXX | XXXX | 7742159 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The credit reports for borrower 1 and borrower 2 are missing from the loan file. The joint credit report received only has borrower 3 credit tradelines listed. The credit review is on hold until documents are received. | Credit report received |  |  | 12/30/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686097 | XXXX | XXXX | 7742160 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Proof of insurance premium on XXXX property. Not escrowed in Bridge loan. Add amount to REO. Loan cannot exceed 50% DTI. If property is sold, provide CD from its sale. | HOI for bridge loan property is $167.75. Adding this amount to the total debt = 42.24% which is within tolerance. |  |  | 12/30/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686098 | XXXX | XXXX | 7742161 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge CD received. |  |  | 12/22/2025 |  | A | 1 | XXXX | WA | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686103 | XXXX | XXXX | 7742168 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge CD received |  |  | 12/29/2025 |  | A | 1 | XXXX | FL | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686104 | XXXX | XXXX | 7742169 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge CD received |  |  | 12/29/2025 |  | A | 1 | XXXX | MI | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1686105 | XXXX | XXXX | 7742170 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Appraisals must be Ordered and completed by an AMC. Exception approval in file approving the use of an appraisal not ordered through an AMC. |  | Compensating factors; stable residence with 10 yrs of prior housing history, stable employment history of 5 years, and residual income $15641 above minimum guideline requirement of $1750. |  |  |  | XXXX B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686106 | XXXX | XXXX | 7742171 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for first time homebuyer without verified 12-monhths cancelled rent checks or management company VOR as required per guidelines. |  | Client Waived with Compensating Factors: 774 fico score where the minimum required is 660, DTI of 33.227% where the maximum allowed is 45%, and residual income of $6,047.64 exceeds the minimum required of $1,750. |  |  |  | 12/23/2025 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686106 | XXXX | XXXX | 7742172 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for payment shock > 5.0x as required per guidelines. Borrowers have no housing payment, living rent free with relative. |  | Client Waived with Compensating Factors: 774 fico score where the minimum required is 660, DTI of 33.227% where the maximum allowed is 45%, and residual income of $6,047.64 exceeds the minimum required of $1,750. |  |  |  | 12/23/2025 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686109 | XXXX | XXXX | 7742176 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Guidelines require First Time Home Buyers to provide VOR or 12 mo cancelled checks if currently renting. | Received rental payment history |  |  | 12/15/2025 |  | A | 1 | XXXX | CO | 1 | 1 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1686109 | XXXX | XXXX | 7742177 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines Condo min Sq. ft. 600. Deviation Request Condo Sq ft<600. |  | COMPENSATING FACTORS: Client Waived with Comp Factors: Excellent credit history no derogs, FICO 810 over min req FICO of 660. Low LTV 64.286% under max allowed of 90%. LOW DTI 27.337% under max allowed of 50% when LTV is =<80%, Excellent reserves of 27.57months, over min required reserves of 0 when LTV <65%. |  |  |  | 12/10/2025 B | 2 | XXXX | CO | 1 | 1 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1686111 | XXXX | XXXX | 7742181 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Minimum gross residual income for one in the household is $1500. Brw has a residual income of $1,189.74. |  | Client waive with compensating factors: Minimum 700 FICO, brw 711 FICO. XXXX. Required reserves $6,777.57 brw shows $9,993.79. |  |  |  | 12/22/2025 B | 2 | XXXX | OH | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1686112 | XXXX | XXXX | 7742182 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The credit reports for borrower 1 and borrower 2 are missing from the loan file. The credit review is on hold until documents are received. | Credit report received |  |  | 12/30/2025 |  | A | 1 | XXXX | TX | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1686113 | XXXX | XXXX | 7742183 | 445 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXX lease for investment property at XXXX XXXX XXXX XXXX XXX XXXX | Rental income not used for this property |  |  | 01/12/2026 |  | A | 1 | XXXX | PA | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1686113 | XXXX | XXXX | 7742184 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX purchased within XXX months, purchase XXXX to be used. XXXX XXXX XXX to use appraised value vs purchase XXXX from XXXX to XXXX |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX mtg payment history XXXX months, XXXX XXXX where max XXXX allowed is XXXX XXXX months reserves where min reserves required is XX months. |  |  |  | 01/07/2026 B | 2 | XXXX | PA | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1686114 | XXXX | XXXX | 7742187 | 897 | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Zero tolerance violation of $68.95 due to addition of Verification of Employment with no valid coc (coc in file is dated 12/8 and fee was not disclosed until 12/17) Please provide evidence of refund along with LOX to borrower and PCCD reflecting cure. All must be issued within 60 days of consummation | PCCD and refund received |  |  | 12/30/2025 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1686114 | XXXX | XXXX | 7742188 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Testing complete |  |  | 12/30/2025 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1686115 | XXXX | XXXX | 7742191 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Documents received |  |  | 01/01/2026 |  | A | 1 | XXXX | CO | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686116 | XXXX | XXXX | 7742192 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX XXXX appraisal required for the loan amount is missing from the loan file. XXXX credit review is on hold until documents are received. | Appraisal received |  |  | 01/06/2026 |  | A | 1 | XXXX | CA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1686116 | XXXX | XXXX | 7742193 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXX acres max, rural properties require sr management approval. XXXX XXXX XXXX property on XXX acres. |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX mtg payment history XXXX XXXX XXXX when XXXX required is XXXX XXXX XXXX where max allowed is XXXX XXXX XXXX where max allowed is XXXX XXXX months reserves when min required is XXXX |  |  |  | 01/06/2026 B | 2 | XXXX | CA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1686117 | XXXX | XXXX | 7742194 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal Revision needed. Appraiser used room count and square footage for ADU and not main house. (0 bedrooms, 1 bath and XXXX feet) | Revised appraisal provided |  |  | 12/23/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1686117 | XXXX | XXXX | 7742195 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max Payment Shock is 3x on Super-Prime Bank Statement Program. Borrower owns exiting property free and clear so only taxes and insurance are paid resulting in 5.48x payment shock. Exception Approval in file allowing for payment shock greater than 3x. |  | Compensating Factors: Reserves of $192505 greater than required reserves of $26493. Mid Fico of 780 greater that minimum FICO of 660. Residual income of $5688 greater than required residual income of $2000. |  |  |  | XXXX B | 2 | XXXX | CA | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1686117 | XXXX | XXXX | 7742196 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rental income from an ADU on a primary residence not permitted. Exception approval in file allowing for rental income from an ADU on a purchase. ADU is currently vacant. |  | Compensating Factors: Reserves of $192505 greater than required reserves of $26493. Mid Fico of 780 greater that minimum FICO of 660. Residual income of $5688 greater than required residual income of $2000. |  |  |  | 12/19/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1686119 | XXXX | XXXX | 7742197 | 435 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit report is expired |  | The credit report is over 75 days old at 83 days. Missing approval to extend credit report on final approval. |  | Exception approval received for 90 day credit report. Comp Factors - 8 years residence, 22 years credit depth, residual income $11K. |  |  |  | 12/22/2025 B | 2 | XXXX | CO | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686120 | XXXX | XXXX | 7742198 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | Maximum DTI for the Super-Prime/Alt-A Full Doc loan program for a fixed income borrower is 45%. Subject loan closed with a 49.744 DTI. |  | Compensating Factors: Low LTV (31%); FICO 793; no derogatory credit; not an abuser of credit. |  |  |  | XXXX B | 2 | XXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686120 | XXXX | XXXX | 7742199 | 323 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Guidelines for the Super-Prime/Alt-A Full Doc loan program require a minimum Residual Income of $1,500.00. Borrower's residual income is $1,388.56. |  | Compensating Factors: Low LTV (31%); FICO 793; no derogatory credit; not an abuser of credit. |  |  |  | XXXX B | 2 | XXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686120 | XXXX | XXXX | 7742200 | 446 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Evidence income continues at least 3 years |  | Guidelines for the Super-Prime/Alt-A Full Doc loan program require evidence of 3 years of continuance if the retirement income is in the form of monthly annuity distributions, such as 401(k) or IRA. No evidence was provided. |  | Exception received for lack of verification of 3 years continuance of income.Compensating Factors: Low LTV (31%); FICO 793; no derogatory credit; not an abuser of credit. |  |  |  | 12/19/2025 B | 2 | XXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686120 | XXXX | XXXX | 7742201 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are recieved. | Bridge CD provided |  |  | XXXX |  | A | 1 | XXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686126 | XXXX | XXXX | 7742204 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | Guidelines reflect the maximum DTI for the Super-Prime/Alt-A Full doc loan program is 45% for a borrower on a fixed income. Borrower is retired and subject loan closed at 45.349%. |  | Compensating Factors: Mid FICO 747; 43 years credit depth with only an isolated 30 day late on revolving 3 years ago, Mtg. history on investment property is 0x30x35 years |  |  |  | 12/17/2025 B | 2 | XXXX | ID | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686128 | XXXX | XXXX | 7742211 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rural Properties require Sr Management approval. |  | COMPENSATING FACTORS: Client Waived with Comp Factors: Excellent mtg history no lates, Excellent job time 14yrs S/E, Current primary of 9yrs, Low LTV 76.687% stacked, under 80% LTV allowed, Low DTI of 14.659% under 50% DTI allowed when LTV=<80%, 8.69months reserves over 6mo required. |  |  |  | 12/22/2025 B | 2 | XXXX | ME | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686133 | XXXX | XXXX | 7742214 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As property is Rural, the maximum LTV is 80% as per XXXX guidelines. Loan is stacked. |  | Client Waived with Compensating Factors: Required Residual income of $2750. Borrower has $17,479.39. 6 months reserves required for LTV's over 80%. Borrower has 52.4 months. Rocket Mortgage 0x30x68. |  |  |  | 12/10/2025 B | 2 | XXXX | AL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686138 | XXXX | XXXX | 7742217 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge CD received |  |  | XXXX |  | A | 1 | XXXX | CO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686139 | XXXX | XXXX | 7742223 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXX exceeds XXXX XXXX of XXXX at XXXX with bride loan. |  | Client waived with compensating factors: XXXX XXXX with minimum of XXXX XXXX borrower has XXXX in reserves or XXX months and the required reserves are XX months. XXXX residual income is XXXXX and XXXXX required in residual income. |  |  |  | 01/02/2026 B | 2 | XXXX | TN | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686140 | XXXX | XXXX | 7742225 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | As per XXXX guidelines, a Verbal VOE must be done for a self employed borrower within 30 days prior to the Note date. | VVOE dated 12/10/2025 provided |  |  | 01/02/2026 |  | A | 1 | XXXX | NM | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1686145 | XXXX | XXXX | 7742229 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approved at XXXX XXXX XXXXXX to XXXX financing. XXXX allow max XXXX of XXXX XXXX up to XXXX with management approval. |  | Client approved with compensating factors: XXX months mortgage history with no late payments, XXXX ownership for XXX years, XXXX in XXXX income where XXXX is required. |  |  |  | 01/12/2026 B | 2 | XXXX | AL | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1686145 | XXXX | XXXX | 7742230 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX XXXX over XXXX @ XXXX XXXX is max XXXX with XXXX over XXX |  | Client approved with compensating factors: XXX months mortgage history with no late payments, XXXX ownership for XXX years, XXXX in XXXX income where XXXX is required. |  |  |  | 01/13/2026 B | 2 | XXXX | AL | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1686145 | XXXX | XXXX | 7742231 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | approved XX months reserves where XX is required. |  | Client approved with compensating factors: XXX months mortgage history with no late payments, XXXX ownership for XXX years, XXXX in XXXX income where XXXX is required. |  |  |  | 01/13/2026 B | 2 | XXXX | AL | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1686147 | XXXX | XXXX | 7742235 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The bridge loan CD is missing from the loan file. The credit review is on hold until documents are received. | Bridge CD provided |  |  | 12/19/2025 |  | A | 1 | XXXX | CO | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1686151 | XXXX | XXXX | 7742239 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 12/31/2025 |  | A | 1 | XXXX | MS | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1686151 | XXXX | XXXX | 7742240 | 920 | XXXX | Compliance | Compliance |  | Compliance - TRID-Missing Final CD |  | Final CD missing for subject property. | Information provided |  |  | 12/31/2025 |  | A | 1 | XXXX | MS | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1686154 | XXXX | XXXX | 7742242 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final XXX for the bridge loan is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received |  |  | 01/12/2026 |  | A | 1 | XXXX | MI | 1 | 1 D A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686154 | XXXX | XXXX | 7742243 | 998 | XXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX to reflect correct XXXX amount of XXXX | Received revised title |  |  | 01/13/2026 |  | A | 1 | XXXX | MI | 1 | 1 D A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686160 | XXXX | XXXX | 7742245 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rural properties require senior management approval. Exception approval in file approving the rural property. |  | Compensating factors: FICO 787 below minimum requirement of 660. Residual income $4750 above minimum requirement of $1750. Mortgages paid as agreed. |  |  |  | 12/30/2025 B | 2 | XXXX | MA | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1686163 | XXXX | XXXX | 7742247 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 01/16/2026 |  | A | 1 | XXXX | CA | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1686163 | XXXX | XXXX | 7742248 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXX tolerance violation for increase in XXXX XXXX - XXXX XXXX XXXX tolerance violation of XXXX XX refund in the amount of XXXX along with XXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXX | PCCD and evidence of refund provided |  |  |  | 01/16/2026 | B | 2 | XXXX | CA | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1686163 | XXXX | XXXX | 7742249 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XX final dated loan approval was not provided. | Received final loan approval |  |  | 01/07/2026 |  | A | 1 | XXXX | CA | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1686167 | XXXX | XXXX | 7742261 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The borrower's credit report is missing from the loan file. The credit review is on hold until documents are received. | Credit report received |  |  | 12/29/2025 |  | A | 1 | XXXX | AZ | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686168 | XXXX | XXXX | 7742262 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception needed for 12-month business bank statement documentation utilizing the Super-Prime Full Documentation Program. |  | Client Waived with Compensating Factors: LTV of 70.70% where the max allowed is 90%, 30.31 months reserves when only 6 months required, 792/797 fico scores where the minimum required is 700, and DTI 24.285% < 45% maximum allowed. |  |  |  | 12/19/2025 B | 2 | XXXX | UT | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686168 | XXXX | XXXX | 7742263 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception needed for 1 active tradeline which is less than the minimum required 2 active tradelines required under the Super-Prime Full Doc Program. |  | Client Waived with Compensating Factors: LTV of 70.70% where the max allowed is 90%, 30.31 months reserves when only 6 months required, 792/797 fico scores where the minimum required is 700, and DTI 24.285% < 45% maximum allowed. |  |  |  | 12/19/2025 B | 2 | XXXX | UT | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686168 | XXXX | XXXX | 7742264 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing verbal verification of B1's employment dated within 10 business days of the note date as required per guidelines. | Received VVOE |  |  | 12/19/2025 |  | A | 1 | XXXX | UT | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686168 | XXXX | XXXX | 7742266 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Payment shock is above 5.0x, the borrower's current primary housing payment is $389.14 monthly, and the new monthly primary housing payment will be $4,538.02 which per Super Prime/Alt-A Program guidelines is not permitted. | Departing owned free and clear, payment shock not taken into account. |  |  | 12/22/2025 |  | A | 1 | XXXX | UT | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686169 | XXXX | XXXX | 7742269 | 357 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | XXXXX XXXX XXXX out XXXX million. XXXX XXXX receiving XXXX XXXX est |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX history with no derogs, XXXX XXXX payment history with no lates, XXXX XXXX over XXXX required. XXXX XXXX XXXX under XXXX max allowed, XXXX reserves of XXXX months over min required of XXX XXXX home owner and XXXXX XXXX |  |  |  | 01/02/2026 B | 2 | XXXX | FL | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1686169 | XXXX | XXXX | 7742270 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX size over XXXX mill w/non occupant co borrower requires XXX XXXX XXXX |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX history with no derogs, XXXX XXXX payment history with no lates, XXXX XXXX over XXXX required. XXXX XXXX XXXX under XXXX max allowed, XXXX reserves of XXXX months over min required of XXX XXXX home owner and XXXXX XXXX |  |  |  | 01/02/2026 B | 2 | XXXX | FL | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1686169 | XXXX | XXXX | 7742271 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX XXXX of XXXX XXXX request max XXXX of XXX |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX history with no derogs, XXXX XXXX payment history with no lates, XXXX XXXX over XXXX required. XXXX XXXX XXXX under XXXX max allowed, XXXX reserves of XXXX months over min required of XXX XXXX home owner and XXXXX XXXX |  |  |  | 01/02/2026 B | 2 | XXXX | FL | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1686173 | XXXX | XXXX | 7742277 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX required. XXXX in file is a XXXX XXX |  | Client waived with compensating factors: XXXX years rental history paid as agreed, all credit paid as agreed, XXXX XXXX when XXXX minimum required, XXXX months reserve when XX months required. |  |  |  | 01/09/2026 B | 2 | XXXX | WI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686174 | XXXX | XXXX | 7742280 | 1018 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | Missing documentation to evidence the borrower's ownership percentage in the business. | State entity website page dated 12/5/2025 shows borrower as the only agent of the company |  |  | 01/06/2026 |  | A | 1 | XXXX | UT | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686174 | XXXX | XXXX | 7742281 | 348 | XXXX | Credit | UW Other |  | UW Other - UW - SSN Discrepancy/Misrep |  | Missing evidence of a satisfactory Social Security number validation through the Social Security Administration to clear the SSN Alert on the Fraud Report for both borrowers. | Received SS cards |  |  | 01/05/2026 |  | A | 1 | XXXX | UT | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686175 | XXXX | XXXX | 7742283 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX loan amount. XXXX loan XXXXXX |  | Client waived with compensating factors: XXXX XXXX XXXX where qualifying XXXX XXXX XXXX required XXXX where XXXX in reserves verified. XXXX income not use to qualify. |  |  |  | 01/02/2026 B | 2 | XXXX | CO | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1686176 | XXXX | XXXX | 7742284 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final, signed settlement statement from the sale of the prior residence is missing from the loan file. XXXX credit review is on hold until documents are received. | CD received |  |  | 01/06/2026 |  | A | 1 | XXXX | AZ | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686176 | XXXX | XXXX | 7742285 | 317 | XXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | XXX part of the down payment is expected to be paid from the sale of the borrower's current home, a final XXXX XXXX XXXX verifying sufficient net proceeds must be obtained. XXXXX unsigned settlement statement provided. | Received XXX signed by title |  |  | 01/13/2026 |  | A | 1 | XXXX | AZ | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686179 | XXXX | XXXX | 7742288 | 447 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | Guidelines require 2 years of self-employment and in the same line of work for 2 years. Borrower owns a retail establishment but was in the construction industry prior. |  | Compensating Factors: 720 FICO score; good residual income ($11k+); Low DTI (25.90%) |  |  |  | 12/29/2025 B | 2 | XXXX | WI | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686180 | XXXX | XXXX | 7742289 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $135 due to increase in Credit report-Broker fee with no valid coc (fees are split on LE and must be split on CD) Closing CD cured $20 leaving an additional refund of $115 due to borrower. Please provide evidence of refund along with LOX to borrower and PCCD reflecting total cure of $135.000 | Refund and HUD received |  |  |  | 01/08/2026 | B | 2 | XXXX | CA | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1686180 | XXXX | XXXX | 7742290 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 01/08/2026 |  | A | 1 | XXXX | CA | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1686186 | XXXX | XXXX | 7742296 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report received |  |  | 01/13/2026 |  | A | 1 | XXXX | FL | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686189 | XXXX | XXXX | 7742299 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX require a minimum XX year credit history with at least XX tradelines with XX currently active. |  | Compensating XXXX XXXX XXXX not a credit abuser; XXXX cash down payment |  |  |  | 01/01/2026 B | 2 | XXXX | ID | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686195 | XXXX | XXXX | 7742309 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX payment shock exceeds the maximum of XXXX at XXXX |  | Client waived with compensating factors: XXXX borrowers have had credit since XXXX with XXX months required. XXXX residual income is XXXXXX and the required residual income is XXXX XXXX is XXXX with the minimum XXXX of XXXX |  |  |  | 01/02/2026 B | 2 | XXXX | HI | 1 | 13 C B | A | A C |  | Non-QM | 1 |
| 1686195 | XXXX | XXXX | 7742310 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX an updated approval to list the property as a single family detached as described in the full appraisal and desk review. XXXX approval listed the property as a condo. | Received revised approval |  |  | 01/05/2026 |  | A | 1 | XXXX | HI | 1 | 13 C B | A | A C |  | Non-QM | 1 |
| 1686196 | XXXX | XXXX | 7742312 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX closed XXXX so need proof of XXXX for XXXX XXXX XXXX |  | Client XXXX with XXXXXX XXXX XXXX guidelines indicate this is an underwriter discretion item, XXXX on current XXXX XXXX months reserves are required. XXXX has XXXX months reserves. XXXX XXXX is XXXX XXXX XXXX is XXXX |  |  |  | 01/14/2026 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1686196 | XXXX | XXXX | 7742313 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX the loan closed XXXXX proof of XXXXX mortgage payments for XXXX XXXX mortgage with a XXXX balance as per credit. |  | Client XXXX with XXXXXX XXXX XXXX guidelines indicate this is an underwriter discretion item, XXXX on current XXXX XXXX months reserves are required. XXXX has XXXX months reserves. XXXX XXXX is XXXX XXXX XXXX is XXXX |  |  |  | 01/14/2026 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1686196 | XXXX | XXXX | 7742314 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX the loan closed XXXXX proof of XXXXX mortgage payments for XXXX XXXX mortgage with a XXXX balance as per credit. |  | Client XXXX with XXXXXX XXXX XXXX guidelines indicate this is an underwriter discretion item, XXXX on current XXXX XXXX months reserves are required. XXXX has XXXX months reserves. XXXX XXXX is XXXX XXXX XXXX is XXXX |  |  |  | 01/14/2026 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1686196 | XXXX | XXXX | 7742316 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, the minimum subject size must be XXXX XXX or larger. XXXX subject is XXXX XXXX |  | Client XXXX with XXXXXX XXXX XXXX on current XXXX XXXX months reserves are required. XXXX has XXXX months reserves. XXXX XXXX is XXXX XXXX XXXX is XXXX |  |  |  | 01/13/2026 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1686196 | XXXX | XXXX | 7742317 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, the maximum XXXX is XXXX for a non-warrantable property. XXXX loan is stacked to XXXX |  | Client XXXX with XXXXXX XXXX XXXX on current XXXX XXXX months reserves are required. XXXX has XXXX months reserves. XXXX XXXX is XXXX XXXX XXXX is XXXX |  |  |  | 01/13/2026 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1686201 | XXXX | XXXX | 7742325 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX final dated loan approval. XXXX in file is not dated. | Received dated approval |  |  | 01/08/2026 |  | A | 1 | XXXX | PA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1686203 | XXXX | XXXX | 7742327 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX provide XXXX XXXX worksheet. | Asset XXXX work sheet provided |  |  | 01/13/2026 |  | A | 1 | XXXX | UT | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686203 | XXXX | XXXX | 7742328 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX and asset depletion worksheet are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 01/12/2026 |  | A | 1 | XXXX | UT | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686204 | XXXX | XXXX | 7742331 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Properties in Declining Markets require a 5% reduction of LTV and senior management approval. Exception approval in file and MAX LTV reduced to 75% LTV. |  | Compensating Factors: Reserves of $125669 greater than required reserves of $23150. MID FICO of 792 greater than minimum required FICO of640, Residual Income of $14387 greater than required residual income of $2000. |  |  |  | 12/30/2025 B | 2 | XXXX | FL | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686204 | XXXX | XXXX | 7742332 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | MAX LTV after 5% reduction for declining market. Loan closed with 76.153% LTV, with 1.537 Stacked Points. Exception Approval in file allowing stacked points and LTV. |  | Compensating Factors: Reserves of $125669 greater than required reserves of $23150. MID FICO of 792 greater than minimum required FICO of640, Residual Income of $14387 greater than required residual income of $2000. |  |  |  | 12/30/2025 B | 2 | XXXX | FL | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686208 | XXXX | XXXX | 7742336 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | B3 self-employment history less than 2 years. |  | Waived with compensating factors: B2 self-employed for 25 years. B1 and B2 are non-occupying brws with son (brw 3). Brw 2 season investor with majority of the income assets on this transaction. 2 of 4 units currently rented, where rental income not used to qualify. |  |  |  | 12/29/2025 B | 2 | XXXX | CA | 1 | 1 D B | A | A D |  | Safe Harbor QM (APOR) | 1 |
| 1686211 | XXXX | XXXX | 7742356 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Empowering for Borrower | VOE dated 12/15/2025 provided |  |  | 01/05/2026 |  | A | 1 | XXXX | CA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686211 | XXXX | XXXX | 7742357 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As per XXXX guidelines, the maximum LTV is 80%. Loan is 85%. |  | Client Waived with Compensating Factors: 0x30x31 on current mortgage. Required residual income is $2500. Borrowers have $24,776.05. 12 months reserves are required. Borrowers have 28.71 months reserves. |  |  |  | 12/26/2025 B | 2 | XXXX | CA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686211 | XXXX | XXXX | 7742358 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The maximum LTV with gift funds being used is 80%. Loan LTV was 85%. |  | Client Waived with Compensating Factors: 0x30x31 on current mortgage. Required residual income is $2500. Borrowers have $24,776.05. 12 months reserves are required. Borrowers have 28.71 months reserves. |  |  |  | 12/26/2025 B | 2 | XXXX | CA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686211 | XXXX | XXXX | 7742359 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The loan amount requires 2 full appraisals per guidelines, but only one was provided. Provide both full appraisals completed. The credit review is on hold until documents are received. | Appraisal provided |  |  | 12/29/2025 |  | A | 1 | XXXX | CA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686213 | XXXX | XXXX | 7742360 | 323 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Guidelines Require a min of 2 active trades, only 1 open active trade. Deviation Request only 1 open active trade |  | COMPENSATING FACTORS: Client Waived with Comp Factors: Excellent credit history with no derogs, Excellent previous mtg history no lates, FICO 816 over min required FICO of 680. Same line of work over 20yrs, Low LTV 71.855% stacked under max LTV of 75%, Low DTI of 31.909% under max allowed of 50% when LTV=<80%, Excellent reserves 17.10 months over min required of 3mo when purchase w/FICO >720 and LTV >65% and =,80%. |  |  |  | 12/31/2025 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686213 | XXXX | XXXX | 7742361 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines Self Employment less than 2 yrs, Requires 2 yrs s/e. Deviation Request S/E less than 2 yrs. |  | COMPENSATING FACTORS: Client Waived with Comp Factors: Excellent credit history with no derogs, Excellent previous mtg history no lates, FICO 816 over min required FICO of 680. Same line of work over 20yrs, Low LTV 71.855% stacked under max LTV of 75%, Low DTI of 31.909% under max allowed of 50% when LTV=<80%, Excellent reserves 17.10 months over min required of 3mo when purchase w/FICO >720 and LTV >65% and =,80%. |  |  |  | 12/31/2025 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686214 | XXXX | XXXX | 7742364 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Rural properties require senior management approval. Subject property is located in a Rural area per appraisal. |  | Compensating Factors: In file since 2018; Assets after close $37,615; Residual-$4200; good job time (7 years) good current residence time (4 years) and good rental history. |  |  |  | 12/29/2025 B | 2 | XXXX | NC | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1686214 | XXXX | XXXX | 7742365 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Gift funds for a first time home buyer are not allowed. Borrower is a FTHB. |  | Compensating Factors: In file since 2018; Assets after close $37,615; Residual-$4200; good job time (7 years) good current residence time (4 years) and good rental history. |  |  |  | 12/29/2025 B | 2 | XXXX | NC | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1686214 | XXXX | XXXX | 7742366 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Guidelines require appraisals to be provided by the Lender. The appraisal utilized was transferred to the Lender. |  | Compensating Factors: In file since 2018; Assets after close $37,615; Residual-$4200; good job time (7 years) good current residence time (4 years) and good rental history. |  |  |  | 12/29/2025 B | 2 | XXXX | NC | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1686217 | XXXX | XXXX | 7742369 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower has income from investment property that requires XX months of proof of rental income to match leases. XXXX borrower has one months deposits and a letter of explanation of rental income received. |  | Client waived with compensating factors: XXXX XXXX is XXXX with the max XXXX of XXXX XXXX XXXX score is XXXX and the minimum score is XXXX XXXX reserves are XXXX months or XXXX and the required is XXX |  |  |  | 01/14/2026 B | 2 | XXXX | CA | 1 | 13 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686224 | XXXX | XXXX | 7742383 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for payment shock XXXX > XXXX and not exceeding XXXX when XXXX is less than XXXX per XXXX XXXXX XXXX guidelines. |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX months reserves when only XX months required, XXXX of XXXX where the maximum allowed is XXXX and XXXX fico score where the minimum required is XXXX |  |  |  | 01/14/2026 B | 2 | XXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686224 | XXXX | XXXX | 7742384 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received |  |  | 01/14/2026 |  | A | 1 | XXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686225 | XXXX | XXXX | 7742385 | 423 | XXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | XXXX shows date of contract as XXXX XXXX date is XXXX |  | Exception approval received for incorrect contract date on appraisal. XXXXXX XXXX - XXX months reserves- XX months minimum, score XXXX minimum XXXX residual income XXXX XXXX XXXX - max XXXX |  |  |  | 01/07/2026 B | 2 | XXXX | OR | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686229 | XXXX | XXXX | 7742392 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX or the XXXX XXXX XXXX loan program require XXXX to have a minimum XX year credit history with XX trades XXXX year history with XX trades). |  | Client XXXX with XXXXXX XXXX XXXX XXXX of XXXX XXXX s/e for over XXX years (income was not utilized); XXXX XXXX where max XXXX is XXXX |  |  |  | 01/12/2026 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686229 | XXXX | XXXX | 7742393 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX for the XXXX XXXX XXXX loan program require a minimum of XXXX in post closing assets when using XXXX XXXX for income. XXXX have approximately XXXX in post close assets. |  | Client XXXX with XXXXXX XXXX XXXX XXXX of XXXX XXXX s/e for over XXX years (income was not utilized); XXXX XXXX where max XXXX is XXXX |  |  |  | 01/12/2026 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686230 | XXXX | XXXX | 7742396 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX provided |  |  | 01/13/2026 |  | A | 1 | XXXX | NV | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686235 | XXXX | XXXX | 7742401 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX evidence of XX months rent loss insurance coverage required under the XXXX XXXX flow program. XXXX borrower is required to have a minimum of XX months rental or XXXX whichever is lower. XXX this instance the XXXX is the lower and the required coverage is XXXX XXXX provide evidence of coverage. | Business XXXX XXXX XXXX |  |  | 01/16/2026 |  | A | 1 | XXXX | OK | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686238 | XXXX | XXXX | 7742404 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX proof of XXXX XXXX XXXX payment XXXX | Received XXXX XXXX statement |  |  | 01/08/2026 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686238 | XXXX | XXXX | 7742405 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, a borrower must be XXXX XXXX for XXXX months to do the XXXX statement program. XXXX self employed since XXXX |  | Client XXXX with XXXXXX XXXX XXXX XXXX income is XXXX XXXX has XXXXXX in residual income. XXXX months reserves are required. XXXX has XXXX months reserves. XXXX XXXX is XXXX |  |  |  | 01/08/2026 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686239 | XXXX | XXXX | 7742406 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX payment shock on XXXXX XXXX XXXX XXXX is XXXX but can got to XXXX with management approval. XXXX is currently at XXXX payment shock using XXXX of XXXX against exiting property XXXX XX XXXX XXXX XXXX of XXXX mortgage statement shows escrows are included in that payment. XXXX exception approval allowing for XXXX XXXX greater than XXXX but less than XXXX |  | Received exception approval for payment shock of XXXX XXXXXX XXXX - XXXX = XXXX XXXX XXXX XXXX XXXX - minimum XXXX XXXX XXXX = XXX months - minimum XX months |  |  |  | 01/08/2026 B | 2 | XXXX | PA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686241 | XXXX | XXXX | 7742407 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXX of XXXX XXXX reflects the same effective and expiration date XXXX | Information provided |  |  | 01/15/2026 |  | A | 1 | XXXX | CO | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686248 | XXXX | XXXX | 7742422 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, the maximum XXXX for a cash out loan with a XXXX score is XXXX XXXX is stacked to XXXX |  | Client XXXX with XXXXXX XXXX XXXX XXXX is XXXX XXXX XXXX is XXXX XXXX history shows a XXXX XXXX reserves is XX months. XXXX has XXXX months reserves. |  |  |  | 01/14/2026 B | 2 | XXXX | AR | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1686251 | XXXX | XXXX | 7742426 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX states living with sister for XXX months rent free. XXXX letter of explanation/verification from sister. | Received XXXX from borrower. |  |  | 01/13/2026 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686253 | XXXX | XXXX | 7742427 | 447 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXX for the XXXX XXXX XXXX program require borrowers to be self-employed for a minimum of XX years. XXXX has been self-employed only XXX months. |  | Compensating XXXX XXXX XXXX XXXX when XXXX is the minimum; XXXX has XXX months reserves when only XX are required; |  |  |  | 01/12/2026 B | 2 | XXXX | NV | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686254 | XXXX | XXXX | 7742428 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXX XXXX XXXX request XXX condo and docs reviewed by mgmt and approved. |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX mtg payment history XXXX XXXX XXXX when XXXX required, XXXX XXXX when max allowed on XXX XXXX purchase is XXXX XXXX XXXX when max allowed is XXXX XXXX when XXXX is XXXX XXXX months reserves when min required for XXX XXXX is XX months. |  |  |  | 01/14/2026 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1686255 | XXXX | XXXX | 7742429 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX is XXXX of the units in any one project. XXXX was requested and approved by lender for exposure being greater than XXXX actual percentage is unspecified. |  | Client XXXX with XXXXXX XXXX XXXX of XXXX when only XXXX of XXXX is required, XXXX reserves when only XXXX required, XXXX of XXXX when only a XXXX XXXX is required. |  |  |  | 01/12/2026 B | 2 | XXXX | UT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1686301 | XXXX | XXXX | 7756328 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXX not in file and required on all XXXX borrowers' files. | SEQ provided |  |  | 01/21/2026 |  | A | 1 | XXXX | WA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1686301 | XXXX | XXXX | 7756329 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXX not in file and required on all files | received XXXX |  |  | 01/15/2026 |  | A | 1 | XXXX | WA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1686721 | XXXX | XXXX | 7878444 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX verification of the borrower's rent payments for the last XXX months at XXXX per month. XXXX indicated a rent payment print out; however, there was no verification of rental in the file. | Received XXX month rental history |  |  | 01/15/2026 |  | A | 1 | XXXX | PA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686722 | XXXX | XXXX | 7878448 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXX hazard policy in file is missing the policy number. | Information provided |  |  | 01/28/2026 |  | A | 1 | XXXX | IN | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1686725 | XXXX | XXXX | 7878848 | 379 | XXXX | Credit | UW Other |  | UW Other - UW - Letter of Explanation |  | XXXX XXXX for reason for prior listing of subject property that was withdrawn XXXX and intent. | Sr XXXX waived letter of intent. |  |  | 01/28/2026 |  | A | 1 | XXXX | OK | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1686725 | XXXX | XXXX | 7878849 | 352 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Not Eligible for escrow waiver |  | XXX XXXX approval required for XXXX XXXX |  | Received exception approval for escrow XXXX - compensating XXXX - XXXX XXXX - minimum XXXX XXXX XXXX XXXX mos reserves - minimum XXX months, experienced investor XXX mtgs paid XXXX |  |  |  | 01/28/2026 B | 2 | XXXX | OK | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1687065 | XXXX | XXXX | 8008605 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing verification of the borrower's self employment or Processor's certification indicating they have verbally verified the borrower is indeed self-employed. | Received VVOE |  |  | 12/17/2025 |  | A | 1 | XXXX | CA | 1 | 3 D A | C | A |  | Non-QM | 1 |
| 1687251 | XXXX | XXXX | 8107080 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report received. |  |  | 01/26/2026 |  | A | 1 | XXXX | IL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1687253 | XXXX | XXXX | 8107084 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX was approved using XXXX statements as income for qualification, however the borrower is not self-employed. |  | Client XXXX with XXXXXX XXXX XXX years on job where only XX years required; XX years in primary departure residence where only XX required; XXXX credit payment history; XXXX XXXX of XXXXX where the guideline minimum is XXXX and XXXX of XXXX months were XX is required. |  |  |  | 01/29/2026 B | 2 | XXXX | NV | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1687253 | XXXX | XXXX | 8107085 | 445 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXX loan was approved under the XXX month XXXX statement program, however only XXX months were provided. |  | Client XXXX with XXXXXX XXXX XXX years on job where only XX years required; XX years in primary departure residence where only XX required; XXXX credit payment history; XXXX XXXX of XXXXX where the guideline minimum is XXXX and XXXX of XXXX months were XX is required. |  |  |  | 01/29/2026 B | 2 | XXXX | NV | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1687254 | XXXX | XXXX | 8107087 | 423 | XXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | XXXX XX of the XXXX XXXX shows the XXXX XXXX as XXXX XXXX however the XXXX XXXX shows the property as XXXX XXXX | Received revised appraisal as XXXX XXXX |  |  | 02/05/2026 |  | A | 1 | XXXX | TX | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1687255 | XXXX | XXXX | 8107089 | 356 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Not Authorized |  | XXXX must be experienced multi family investor. |  | Client waived with compensating factors: XXXX with single family investment properties since XXXX XXXX XXXX where max XXXX XXXX allowed. XXXX XXXX where a minimum XXXX XXXX required. |  |  |  | 01/20/2026 B | 2 | XXXX | IL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687259 | XXXX | XXXX | 8107092 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX units require management fees to be deducted from gross rent to determine XXXX ratio. XXXX in file to allow XXXX management fees for experienced investor. |  | Client waived with compensating factors: XXXXX XXXX XXXX XXXX when minimum XXXX is XXXX XXXX months reserve when the minimum requirement is XX months reserve, XXXX XXXX when the minimum required XXXX is XXXX |  |  |  | 01/21/2026 B | 2 | XXXX | IA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687259 | XXXX | XXXX | 8107093 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX expiration is XXX days. XXXX in file to allow credit report extended to XXX days. XXXX credit report is dated XXXXX final approval XXXX = XXX days. |  | Client waived with compensating factors: XXXXX XXXX XXXX XXXX when minimum XXXX is XXXX XXXX months reserve when the minimum requirement is XX months reserve, XXXX XXXX when the minimum required XXXX is XXXX |  |  |  | 01/21/2026 B | 2 | XXXX | IA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687262 | XXXX | XXXX | 8107097 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXX XXXX on XXX income requires XXX management approval/less than XXXX history as well. XXXX XXXX XXX months bk statement for tip income on XXX borrower to be approved by XXX managment. |  | Client XXXX with XXXXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX when max XXXX allowed is XXXX XXXX XXXX when XXXX required is XXXX XXX yr job stability, XXXX months reserves when XX months required, XXXX XXXX when max XXXX is XXXX |  |  |  | 01/20/2026 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687263 | XXXX | XXXX | 8107098 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, the maximum cash out is XXXX XXXX cash out is XXXX |  | Client XXXX with XXXXXX XXXX XXXX XXXX is XXXX XXXX XXXX is XXXX XXXX XXXX is XXXX XXXX XXXX on the loan is XXXX XX minimum of XX months reserves are required. XXXX borrower has XXXX months reserves. |  |  |  | 01/21/2026 B | 2 | XXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687263 | XXXX | XXXX | 8107099 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, the property cannot be a mixed use. XXXX is mixed use. |  | Client XXXX with XXXXXX XXXX XXXX XXXX is XXXX XXXX XXXX is XXXX XXXX XXXX is XXXX XXXX XXXX on the loan is XXXX XX minimum of XX months reserves are required. XXXX borrower has XXXX months reserves. |  |  |  | 01/21/2026 B | 2 | XXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687263 | XXXX | XXXX | 8107100 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per the XXXX guidelines, the mortgage history must be XXXX XXXX mortgage history is XXXX |  | Client XXXX with XXXXXX XXXX XXXX XXXX is XXXX XXXX XXXX is XXXX XXXX XXXX is XXXX XXXX XXXX on the loan is XXXX XX minimum of XX months reserves are required. XXXX borrower has XXXX months reserves. |  |  |  | 01/21/2026 B | 2 | XXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687263 | XXXX | XXXX | 8107101 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXX per XXXX guidelines, a cash out letter is required. | LOE dated XXXX provided |  |  | 01/21/2026 |  | A | 1 | XXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687265 | XXXX | XXXX | 8107106 | 322 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | XXXX XXXX requirement of XXXX not met for an XXXX greater than XXXX XXXX XXXX XXXX |  | Client XXXX with XXXXXX XXXX XXXXX XXXX with ownership in three XXXX investment properties; XXXX mortgage payment history; XXXX XXXX of XXXX where the guideline minimum is XXXX and XXXX XXXX XXXX of XXXX months where the minimum requirement is XX months. |  |  |  | 01/20/2026 B | 2 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687265 | XXXX | XXXX | 8107107 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX XXXXXX of XXXX XXXX history from XXXX or XXXX XXXX to evidence payment history for last XXX months has been satisfactory and copy of current lease. | Payment XXXX provided |  |  | 01/20/2026 |  | A | 1 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687267 | XXXX | XXXX | 8107110 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX in file allowing use of XXXX XXXX |  | Client XXXX with XXXXXX XXXX XXXX of XXXX when XXXX is required, XXXX XXXX when XXXX is required. |  |  |  | 01/22/2026 B | 2 | XXXX | MO | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687268 | XXXX | XXXX | 8107111 | 850 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Escalated for 2nd review. |  | XXXX shock over XXX requires XXX XXXX approval. XXXX payment shock is XXXX |  | Compensating factors; XXXX income of XXXX exceeds the minimum required of XXXX XXXX of XXXX % where the maximum allowed is XXXX XXXX months reserves when only XX months required. |  |  |  | 02/04/2026 B | 2 | XXXX | MA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687274 | XXXX | XXXX | 8107121 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD received |  |  | 01/16/2026 |  | A | 1 | XXXX | SC | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1687276 | XXXX | XXXX | 8107123 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX per XXXX guidelines, the maximum mortgage history is XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows last paid XXXX XXXX XXXX & XXXX were paid as agreed. | VOM provided |  |  | 02/04/2026 |  | A | 1 | XXXX | TN | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1687276 | XXXX | XXXX | 8107124 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX per XXXX guidelines, the maximum mortgage history is XXXX XXXX XXXX XXXX XXXX shows last paid XXXX XXXX XXXX & XXXX were paid as agreed. | VOM provided |  |  | 02/04/2026 |  | A | 1 | XXXX | TN | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1687276 | XXXX | XXXX | 8107125 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX per XXXX guidelines, the maximum mortgage history is XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows last paid XXXX XXXX XXXX & XXXX were paid as agreed. | VOM provided |  |  | 02/04/2026 |  | A | 1 | XXXX | TN | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1687276 | XXXX | XXXX | 8107126 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final XXXX from the refinances of XXXX properties, that are being used for reserves, are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 02/03/2026 |  | A | 1 | XXXX | TN | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1687277 | XXXX | XXXX | 8107127 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final XXX from XXXX XXXX used for assets is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 02/05/2026 |  | A | 1 | XXXX | TN | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1687277 | XXXX | XXXX | 8107128 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX expires at XXX days. XXXX in file to allow credit to XXX days. |  | Client waived with compensating factors: experienced investor, credit depth XXX years, mortgages history paid as agreed, XXX months reserve when XX months reserve required. |  |  |  | 02/06/2026 B | 2 | XXXX | TN | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1687280 | XXXX | XXXX | 8107133 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX report good for XXX days. XXXX management approval required for borrower credit report extension to XXX days. |  | Client waived with compensating factors: XXXX months reserves when only XX months required, XXXX of XXXX where the minimum required is XXXX XXXX fico score where the minimum required is XXXX |  |  |  | 02/03/2026 B | 2 | XXXX | TN | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1687280 | XXXX | XXXX | 8107134 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX desk review below grade XX requires approval. XXXX desk review is grade XXX |  | Client waived with compensating factors: XXXX months reserves when only XX months required, XXXX of XXXX where the minimum required is XXXX XXXX fico score where the minimum required is XXXX |  |  |  | 02/03/2026 B | 2 | XXXX | TN | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1687281 | XXXX | XXXX | 8107135 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX granted to waive XX month of rent loss insurance coverage. XXXX rent loss insurance only covers a XX months period where XX is required. |  | Client waived with compensating factors: XXXX of XXXX months where XX months is the minimum required, XXXX has owned commercial property since XXXX XXXX mid credit score where XXXX is the minimum required. |  |  |  | 01/30/2026 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1687281 | XXXX | XXXX | 8107136 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX guidelines minimum square footage for each unit is XXXX ft. XXXX XX units to be under XXXX sq ft. |  | Client waived with compensating factors: XXXX of XXXX months where XX months is the minimum required, XXXX has owned commercial property since XXXX XXXX mid credit score where XXXX is the minimum required. |  |  |  | 01/30/2026 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1687281 | XXXX | XXXX | 8107137 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX use of XXXX income where XXXX is not allowed on XXXX unit properties. |  | Client waived with compensating factors: XXXX of XXXX months where XX months is the minimum required, XXXX has owned commercial property since XXXX XXXX mid credit score where XXXX is the minimum required. |  |  |  | 01/30/2026 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1687282 | XXXX | XXXX | 8107138 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXX income on XXXX unit purchase. XXXX states XXXX is not allowed on XXXX unit purchases. |  | Client XXXX with XXXXXX XXXX XXXX months reserves where XX months are required, XXXX XXXX of XXXX where minimum required is XXXX XXXX has XX year time in business. |  |  |  | 02/02/2026 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687282 | XXXX | XXXX | 8107139 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XX months rent loss coverage where XX months is required. |  | Client XXXX with XXXXXX XXXX XXXX months reserves where XX months are required, XXXX XXXX of XXXX where minimum required is XXXX XXXX has XX year time in business. |  |  |  | 02/02/2026 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687282 | XXXX | XXXX | 8107140 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX square footage required is XXXX sq ft. XXXX includes four units under XXXX square feet. |  | Client XXXX with XXXXXX XXXX XXXX months reserves where XX months are required, XXXX XXXX of XXXX where minimum required is XXXX XXXX has XX year time in business. |  |  |  | 02/02/2026 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687285 | XXXX | XXXX | 8107142 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXX of XXXX resident alien status for XXX missing from the file. | Received XXXX for XX |  |  | 02/02/2026 |  | A | 1 | XXXX | OK | 1 | 3 C A | A | A |  | Non-QM | 1 |
| 1687286 | XXXX | XXXX | 8107143 | 356 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Not Authorized |  | XXXX XXXXXX - must be an experienced multifamily investor. |  | Client waived with compensating factors: XXXX XXXX where minimum XXXX XXXX required. XXXX XXXX where a minimum XXXX XXXX required. XXXXXX in reserves where XXXXXX required. |  |  |  | 02/02/2026 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687287 | XXXX | XXXX | 8107144 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final loan approval is missing from the loan file. XXXX credit review is on hold until documents are received. | Approval provided |  |  | 01/29/2026 |  | A | 1 | XXXX | MA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1687287 | XXXX | XXXX | 8107145 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX is the lesser of current appraised value or previous sale if purchased less than XX months. XXXX in file to used XXXX greater than last sale and less than current appraised value. |  | Client waived with compensating factors: XXXX has owned property for XXX years, on current job XX years, XXXX residual income when XXXX required, XXXX XXXX when max is XXXX XXXX XXXX when XXXX |  |  |  | 01/30/2026 B | 2 | XXXX | MA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1687289 | XXXX | XXXX | 8107152 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX XXXX cash out refinance XXXX > XXXX require XX months XXXX in reserves or XXXX XXXX verified reserves XXXXXX XXXXX - XXXX = short XXXXXX | received retirement account XXXX XXXX = XXXX |  |  | 02/07/2026 |  | A | 1 | XXXX | ME | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1687292 | XXXX | XXXX | 8107159 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received |  |  | 01/29/2026 |  | A | 1 | XXXX | UT | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1687292 | XXXX | XXXX | 8107160 | 340 | XXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | XXXX is not escrowed in the XXXX loan. XXXX proof of monthly insurance amount for XXXX XXXX property | Received XXXX XXXX mo. XXXX XXXX tolerance for XXX |  |  | 01/29/2026 |  | A | 1 | XXXX | UT | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1687295 | XXXX | XXXX | 8107161 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 01/15/2026 |  | A | 1 | XXXX | CA | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1687296 | XXXX | XXXX | 8107517 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX sq ft all units XXXX XXXX unit XXXX sq ft |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX when XXXX required XXX XXXX XXXX when min XXXX required XXXX XXXX XXXX stacked when max XXXX XXXX XXXX months reserves when min required reserves is XXXX XXXXX XXXX |  |  |  | 01/21/2026 B | 2 | XXXX | WA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687297 | XXXX | XXXX | 8107518 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX units require XXXX XXXX in file for XXXX |  | Client waived with compensating factors: XXXX XXXX when XXXX XXXX required, XXXX file dating back to XXXX XXXXX investor, XXX months reserve when XX months required. |  |  |  | 02/05/2026 B | 2 | XXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1687297 | XXXX | XXXX | 8107519 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX appraisals not permitted. XXXX in file to allow transferred XXXX appraisal. |  | Client waived with compensating factors: XXXX XXXX when XXXX XXXX required, XXXX file dating back to XXXX XXXXX investor, XXX months reserve when XX months required. |  |  |  | 02/05/2026 B | 2 | XXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1687298 | XXXX | XXXX | 8107520 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX units rented. XXXX XXXX XX vacant unit. |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX when min XXXX required is XXXX XXXX stacked XXXX when max XXXX allowed is XXXX XXXX XXXX when min XXXX is XXXX XXXX months reserves when XXXX reserves required. XXXXX XXXX investor. |  |  |  | 02/03/2026 B | 2 | XXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1687298 | XXXX | XXXX | 8107521 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX no mtg lates. XXXX XXXX XXXX XXXX |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX when min XXXX required is XXXX XXXX stacked XXXX when max XXXX allowed is XXXX XXXX XXXX when min XXXX is XXXX XXXX months reserves when XXXX reserves required. XXXXX XXXX investor. |  |  |  | 02/03/2026 B | 2 | XXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1687300 | XXXX | XXXX | 8107523 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX loan is XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX investor is only eligible with XXXX XXXX approval. XXXX approval in file allowing for XXXX time investor using XXXX XXXX XXXX with XXXX XXXX XXXX XXXX |  | Client XXXX with XXXXXX XXXX XXXX of XXXX when only XXXX is required, and XXXX fico score where the minimum required is XXXX |  |  |  | 01/28/2026 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687301 | XXXX | XXXX | 8107524 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX property square footage of XXXX XXXX XXXX XXXX required square footage per guidelines is XXXX XXXX XXXX |  | Client waived with compensating factors, XXXX income of XXXX where XXXX is required, XXXX XX has XXX years in his field of work and co-borrower has XX years, XXXX scores of XXXX and XXXX where XXXX is minimum required. |  |  |  | 01/29/2026 B | 2 | XXXX | CA | 1 | 3 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1687302 | XXXX | XXXX | 8107525 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX > XXXX maximum permitted under the XXXXX XXXX XXXX program with a fixed income borrower per guidelines. |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX months reserves when only XX months required, and residual income of XXXXX exceeds the minimum of XXXX |  |  |  | 01/16/2026 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687302 | XXXX | XXXX | 8107526 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for borrower active tradeline(s) of XX and the minimum required per guidelines is XXX |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX months reserves when only XX months required, and residual income of XXXXX exceeds the minimum of XXXX |  |  |  | 01/16/2026 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687302 | XXXX | XXXX | 8107527 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for XXXX XXXX < XXXX XXXX required for XXXX XXXX minimum assets gross (post close) below XXXX |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX months reserves when only XX months required, and residual income of XXXXX exceeds the minimum of XXXX |  |  |  | 01/16/2026 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687302 | XXXX | XXXX | 8107528 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for XXXX XXXX XXXX of income > maximum XXXX of income as required per guidelines when post close assets are below XXXX and above XXXX |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX months reserves when only XX months required, and residual income of XXXXX exceeds the minimum of XXXX |  |  |  | 01/16/2026 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687302 | XXXX | XXXX | 8107529 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for XXXX XXXX qualifying income divided by XXX months < XXXX months XXXX year) required per guidelines. |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX months reserves when only XX months required, and residual income of XXXXX exceeds the minimum of XXXX |  |  |  | 01/16/2026 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687302 | XXXX | XXXX | 8107530 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for post close assets XXXX < XXXX required minimum required under the XXXX XXXX guidelines. |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX months reserves when only XX months required, and residual income of XXXXX exceeds the minimum of XXXX |  |  |  | 01/16/2026 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687302 | XXXX | XXXX | 8107531 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD received |  |  | 01/16/2026 |  | A | 1 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687304 | XXXX | XXXX | 8107535 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, the property cannot be mixed use. XXXX has XX unit that is commercial XXXX shop) |  | Client XXXX with XXXXXX XXXX XXXX XXXX is XXXX XXXX has a XXXX of XXXX XXXX mortgage is XXXX XXXX months reserves are required. XXXX have XXXX months reserves. |  |  |  | 01/21/2026 B | 2 | XXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687305 | XXXX | XXXX | 8107536 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received |  |  | 01/20/2026 |  | A | 1 | XXXX | NC | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687305 | XXXX | XXXX | 8107537 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX for XXXX with fixed income. XXXX for this transaction is XXXX |  | Client waived with compensating factors: XXX months reserve when XX months reserve is required, XXXX owned previous residence for XX years, mortgage paid as agreed for XXX months, XXXX XXXX when minimum required XXXX is XXXX |  |  |  | 01/21/2026 B | 2 | XXXX | NC | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687307 | XXXX | XXXX | 8107542 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXX the XXXX XXXX for XXXX XXXX | VVOE dated XXXX provided |  |  | 01/29/2026 |  | A | 1 | XXXX | UT | 1 | 3 D B | A | A |  | Non-QM | 1 |
| 1687314 | XXXX | XXXX | 8107548 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for payment shock XXXX > XXXX maximum when XXXX is greater than XXXX as required per guidelines. |  | Client XXXX with XXXXXX XXXX XXXX XXXX of XXXXXX exceeds the minimum required of XXXXXX XXXX months reserves when only XX months required, and XXXX fico score where the minimum required is XXXX |  |  |  | 02/05/2026 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687315 | XXXX | XXXX | 8107550 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX required on all files. XXXX in file approving the use of a XXXX XXXXX |  | Client waived with compensating factors: XXXXX homeowner, XXXX XXXX when the max XXXX is XXXX XXXX XXXX when the minimum XXXX is XXXX |  |  |  | 01/16/2026 B | 2 | XXXX | NH | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1687316 | XXXX | XXXX | 8107552 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX binder expiration date is less than XXX months from effective date. | Received revised XXX |  |  | 01/16/2026 |  | A | 1 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687316 | XXXX | XXXX | 8107553 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX appraisals from unapproved XXXX on a purchase loan. |  | XX.XX months of reserves when only XX months required, XXXX XXXX where the maximum allowed is XXXX XXXX income of XXXX exceeds the minimum required of XXXX |  |  |  | 01/13/2026 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687317 | XXXX | XXXX | 8107554 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD received |  |  | 01/20/2026 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1687317 | XXXX | XXXX | 8107555 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX shock on all programs is XXXX XXXX per guidelines. XXXX documentation provided for exiting property XXXX XXXX to calculate XXXX payment, only XXXX provided. XXXX on the document provided XXXX is currently XXXX making payment shock XXXX XXXX exception approval allowing for payment shock greater than XXXX or supporting documents to evidence XXXX payment for exiting property. |  | Client waived with compensating factors: XXXX XXXX score XXXX all mortgages paid as agreed, credit depth XXXX XXXX credit line usage, XXXX XXXX max XXXX reserves XXXX months XXXX required) |  |  |  | 01/21/2026 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1687319 | XXXX | XXXX | 8107556 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXX payment history will be verified by XXXX XXXXXX may be in the form of either copies of front and back of XXX months canceled checks or a written verification XXXX from a bona fide management company XXXX listed) or private party. XXXX rents current XXXX residence in XXXX XXXX | Received rental history from XXX company |  |  | 01/15/2026 |  | A | 1 | XXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1687322 | XXXX | XXXX | 8107557 | 271 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | XXXX acreage for the property is limited to XXX acres with rural properties limited to XXX acres with all requiring senior management approval. XXXX subject property was XXXX acres. |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the maximum allowed is XXXX XXXX XXXX of XXXXXX where the guideline minimum is XXXX XXXX XXXX XXXX of XXXX months were reserves were not required; XXXX XXXX where the maximum allowed is XXXX and XXXX credit payment history. |  |  |  | 01/27/2026 B | 2 | XXXX | OR | 1 | 1 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1687322 | XXXX | XXXX | 8107558 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX XXXX XXXX XXXX payment shock is XXXX when XXXX is less than XXXX XXXX XXXX above XXXX is permitted with senior management approval, not to exceed XXXX |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the maximum allowed is XXXX XXXX XXXX of XXXXXX where the guideline minimum is XXXX XXXX XXXX XXXX of XXXX months were reserves were not required; XXXX XXXX where the maximum allowed is XXXX and XXXX credit payment history. |  |  |  | 01/27/2026 B | 2 | XXXX | OR | 1 | 1 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1687322 | XXXX | XXXX | 8107559 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received. |  |  | 01/27/2026 |  | A | 1 | XXXX | OR | 1 | 1 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1687323 | XXXX | XXXX | 8107560 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 01/26/2026 |  | A | 1 | XXXX | FL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1687323 | XXXX | XXXX | 8107561 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Docs in file |  |  | 01/15/2026 |  | A | 1 | XXXX | FL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1687323 | XXXX | XXXX | 8107562 | 901 | XXXX | Compliance | Compliance |  | Compliance - TRID Other |  | XXXX XXX issued XXXX loan funded prior to XXXX end date. XXXX can not fund until XXXX | Information provided |  |  | 01/26/2026 |  | A | 1 | XXXX | FL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1687325 | XXXX | XXXX | 8107564 | 340 | XXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | XXXX XXXX loan does not escrow insurance for the XXXX loan subject. XXXX insurance information and payment added to XXXX | Insurance premium of XXXX was paid at time of closing on the bridge loan XXXX |  |  | 01/31/2026 |  | A | 1 | XXXX | MA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1687328 | XXXX | XXXX | 8107567 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX escrow impounds. |  | Compensating factors; XXXX months of reserves when only XX months required and XXXX XXXX score where the minimum is XXXX |  |  |  | 01/13/2026 B | 2 | XXXX | WA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1687328 | XXXX | XXXX | 8107568 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XX months seasoning required for a cash out refinance. XXXX subject was purchased XXXX note dated XXXX less than XX months. XXXX does not meet delayed financing guidelines as loan must disburse within XXX days for delayed financing. |  | Exception approval received. XXXXXX factors; XXXX months of reserves when only XX months required and XXXX XXXX score where the minimum is XXXX |  |  |  | 01/22/2026 B | 2 | XXXX | WA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1687329 | XXXX | XXXX | 8107570 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX for the XXXX loan program require each unit to be a minimum of XXXX sqft. XXXX units are less than XXXX sqft. |  | Client XXXX with XXXXXX XXXX XXXX XXXX vs guideline max of XXXX borrower is a seasoned investor; borrower is an XXXX owning own business earning significant income from current employment. |  |  |  | 01/21/2026 B | 2 | XXXX | CA | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1687329 | XXXX | XXXX | 8107571 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX for the XXXX loan program do not allow gift funds. XXXX borrower received gift funds in the amount of XXXX |  | Client XXXX with XXXXXX XXXX XXXX XXXX vs guideline max of XXXX borrower is a seasoned investor; borrower is an XXXX owning own business earning significant income from current employment. |  |  |  | 01/21/2026 B | 2 | XXXX | CA | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1687329 | XXXX | XXXX | 8107572 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX for the XXXX loan program require a minimum ratio of XXXX XXXX ratio for the subject loan is XXXX |  | Client XXXX with XXXXXX XXXX XXXX XXXX vs guideline max of XXXX borrower is a seasoned investor; borrower is an XXXX owning own business earning significant income from current employment. |  |  |  | 01/21/2026 B | 2 | XXXX | CA | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1687329 | XXXX | XXXX | 8107573 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX for the XXXX loan program allow a maximum of XX units to be vacant. XXXX subject property currently has XX vacant units. |  | Client XXXX with XXXXXX XXXX XXXX XXXX vs guideline max of XXXX borrower is a seasoned investor; borrower is an XXXX owning own business earning significant income from current employment. |  |  |  | 01/21/2026 B | 2 | XXXX | CA | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1687329 | XXXX | XXXX | 8107574 | 353 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LA/CLA exceeds Max. Limit |  | XXXX for the XXXX loan program require a second appraisal when the loan amount is greater than XXXX XXXX subject loan amount is XXXX |  | Client XXXX with XXXXXX XXXX XXXX XXXX vs guideline max of XXXX borrower is a seasoned investor; borrower is an XXXX owning own business earning significant income from current employment. |  |  |  | 01/21/2026 B | 2 | XXXX | CA | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1687329 | XXXX | XXXX | 8107575 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX for the XXXX loan program require a vacancy factor of XXXX when using market rents. XXXX requirement to use the vacancy factor and management expense was waived. |  | Client XXXX with XXXXXX XXXX XXXX XXXX vs guideline max of XXXX borrower is a seasoned investor; borrower is an XXXX owning own business earning significant income from current employment. |  |  |  | 01/21/2026 B | 2 | XXXX | CA | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1687334 | XXXX | XXXX | 8107586 | 374 | XXXX | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | XXXX XXXX XXX the expiration date shown on the back or front of the card is XX months or less, XXXX expires XXXX therefor a completed XXXX form stamped received by the XXXX is required. | Received XXXX with extension of XXX months |  |  | 02/07/2026 |  | A | 1 | XXXX | CT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687334 | XXXX | XXXX | 8107587 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX all units XXXX sq ft XXXX XXXX unit under XXXX sq ft. |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX stacked XXXX when max XXXX is XXXX XXXX XXXX when required XXXX is XXXX XXXX months reserves when XXXX required, XXXXX XXXX |  |  |  | 02/04/2026 B | 2 | XXXX | CT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687340 | XXXX | XXXX | 8107593 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX review shows a XXXX value cut - XXXX shows full value. |  | Client waived with compensating factors: XXXX mtg report XXX months paid on-time. XXXX self-employed since XXXXXX XXXX of business XXXX statements show consistent income. |  |  |  | 01/23/2026 B | 2 | XXXX | OK | 1 | 13 C B A | A | A C B |  | Non-QM | 1 |
| 1687340 | XXXX | XXXX | 8107594 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX is broker appraisal, not XXXX approved appraiser. |  | Client waived with compensating factors: XXXX mtg report XXX months paid on-time. XXXX self-employed since XXXXXX XXXX of business XXXX statements show consistent income. |  |  |  | 01/23/2026 B | 2 | XXXX | OK | 1 | 13 C B A | A | A C B |  | Non-QM | 1 |
| 1687346 | XXXX | XXXX | 8107602 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for XXXX cash out with XXXX > XXXX is XXXX XXXX in file for XXXX XXXX |  | Client waived with compensating factors: XXXXX XXXX XXXX XXXX when minimum requirement is XXXX XXXX months reserve when the minimum requirement is XX months. |  |  |  | 01/27/2026 B | 2 | XXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687347 | XXXX | XXXX | 8107603 | 72 | XXXX | Compliance | Closing Package |  | Closing Package - |  | XXXX of XXXX XXXX XXXX of XXXX completed and signed by borrowers and lender is missing from file. | Information provided |  |  | 01/30/2026 |  | A | 1 | XXXX | TX | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1687347 | XXXX | XXXX | 8107604 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX management approval needed for use of XXXX XXXXX XXXX approval in file allowing for use of XXXX XXXX |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX reserves when only XXXX required, and XXXX residual income when XXXX is required. |  |  |  | 01/29/2026 B | 2 | XXXX | TX | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1687349 | XXXX | XXXX | 8107607 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXX months of self employment history does not meet guideline requirements of XX year history. |  | Client waived with XXXXXX factors; XXXX of XXXX where the max allowed is XXXX XXXX months reserves when zero months required, XXXX fico score where the minimum required is XXXX XXXX income of XXXX exceeds the minimum required of XXXX and XXXX of XXXX where the maximum allowed is XXXX |  |  |  | 01/15/2026 B | 2 | XXXX | ID | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687350 | XXXX | XXXX | 8107609 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX subject property exceeds the maximum acreage limit of XXX acres. XXXX subject property is XXXX acres. |  | Client waived with compensating factors: XXXX XXXX is XXXX with a maximum XXXX of XXXX allowed. XXXX XXXX is XXXX with a minimum score of XXXX XXXX borrower has been self-employed since XXXX over XXX years and the required length of self-employment is XX years. |  |  |  | 01/23/2026 B | 2 | XXXX | GA | 1 | 13 C B A | A | A C B |  | Non-QM | 1 |
| 1687354 | XXXX | XXXX | 8107611 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, the maximum XXXX for a purchase loan with XXXX score is XXXX XXXX loan is stacked to XXXX |  | Client XXXX with XXXXXX XXXX XXXX reserves is XX months. XXXX have XXXX months. XXX has been on their job XXXX years as per the application. XXXX on a current mortgage. |  |  |  | 01/27/2026 B | 2 | XXXX | MS | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1687354 | XXXX | XXXX | 8107612 | 431 | XXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | XXX per the XXX narrative and cash to close sheet, the borrowers were doing a cash out refinance where XXXXXX was to be assets to close. XXX proof of it in the file. | Received final XXX for refinance of primary home paying off XX mortgages and net proceeds of XXXX |  |  | 01/27/2026 |  | A | 1 | XXXX | MS | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1687356 | XXXX | XXXX | 8107614 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval required when approving for mixed use property. XXXX is a mixed use property. |  | Compensating factors; XXXX of XXXX where the minimum required is XXXX XXXX fico score where the minimum required is XXXX |  |  |  | 01/27/2026 B | 2 | XXXX | PA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687360 | XXXX | XXXX | 8107615 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX and final loan approval are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 01/27/2026 |  | A | 1 | XXXX | FL | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1687361 | XXXX | XXXX | 8107616 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX approval required for minimum XXX of XXXX XXXX property is XXXX XXXX |  | DSCR of XXXX where the minimum required is XXXX XXXX fico score where the minimum required is XXXX XXXX months reserves when only XX months required. |  |  |  | 02/05/2026 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1687361 | XXXX | XXXX | 8107617 | 750 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Report Date |  | XXXX reports are good for XXX days from application date. XXXX required for extension to XXX days. |  | DSCR of XXXX where the minimum required is XXXX XXXX fico score where the minimum required is XXXX XXXX months reserves when only XX months required. |  |  |  | 02/05/2026 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1687363 | XXXX | XXXX | 8107619 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX XXXX appraisal confirming removal of wire mesh covering three rear windows of the subject property. XXXX appraisal report was completed subject to repairs wire mesh must be removed as it poses a health and safety issue. | XXXXD provided |  |  | 01/20/2026 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A C |  | Non-QM | 1 |
| 1687366 | XXXX | XXXX | 8107620 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX payment shock XXXX XXXX payment shock is > XXXX |  | Client waived with compensating factors: XXXXX XXXX XXXX reserves when minimum XXX months required, XXXX has ben in same line of work for XXX years, XXXX per month in residual income when the minimum requirement is XXXX per month. |  |  |  | 01/20/2026 B | 2 | XXXX | CO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687366 | XXXX | XXXX | 8107621 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XX years self-employed with current business. XXXX has been self-employed XX year XX month. |  | Client waived with compensating factors: XXXXX XXXX XXXX reserves when minimum XXX months required, XXXX has ben in same line of work for XXX years, XXXX per month in residual income when the minimum requirement is XXXX per month. |  |  |  | 01/20/2026 B | 2 | XXXX | CO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687366 | XXXX | XXXX | 8107622 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXX of XXXX and XXXX for primary residence XXXXX missing from the file. | LE provided is for XXXX refi loan currently being processed for primary XXXXXX XXX + XXXX XXXX |  |  | 01/21/2026 |  | A | 1 | XXXX | CO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687376 | XXXX | XXXX | 8107634 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXX per XXXX guidelines, the maximum XXXX for a cash out loan with a XXXX below XX is XXXX XXXX XXXX is XXXX XXX management approved as XXXX below XX but not a XXXX exception. |  | Exception approval received for XXXX over XXXX cash out with XXXX XXXX XXXXXX XXXX - score XXXXX XXXX XXX months reserve- minimum XXX mos. |  |  |  | 02/03/2026 B | 2 | XXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687377 | XXXX | XXXX | 8107638 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX XXXX for a XXXX XXXX XXXX is a maximum of XXXX XXXX loan exceeds that maximum at XXXX |  | Client waived with compensating factors: XXXX history is paid on time for XXX months. XXXX borrowers have a residual income of XXXXX and the minimum residual income is XXXX XXXX borrower has been on the job over XX years and been in the same line of work for XXX years. |  |  |  | 01/21/2026 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687377 | XXXX | XXXX | 8107639 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX borrowers are XXXX time hombuyers and are required to have XX months reserves. XXXX borrowers have XX months. |  | Client waived with compensating factors: XXXX history is paid on time for XXX months. XXXX borrowers have a residual income of XXXXX and the minimum residual income is XXXX XXXX borrower has been on the job over XX years and been in the same line of work for XXX years. |  |  |  | 01/21/2026 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687378 | XXXX | XXXX | 8107641 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX property is in a rural area which require a senior management approval. |  | Client waived with compensating factors: XXXX is XXXX with a minimum XXXX of XXXX required. XXXX mortgage is XXXX with the required mortgage history of XXXX XXXX is XXXX with a maximum XXXX of XXXX |  |  |  | 01/20/2026 B | 2 | XXXX | CO | 1 | 13 C B A | A | A C B |  | Non-QM | 1 |
| 1687379 | XXXX | XXXX | 8107643 | 319 | XXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | XXXX concessions of XXXX exceeds the closing costs of XXXX XXXX XXXX XXXX may not exceed actual closing costs & pre-paids. XXXX guidelines, maximums may be exceeded in underwriter's discretion. XXXX was no evidence in the file of sr. management approval or underwriter discretion. |  | Exception approval received for seller credit to exceed the actual closing costs. compensating actors - XXXX XXXX minimum XXXX XXX months reserves- minimum XX months. XXXX approved by XXX XXXX XXXX use of credit, XX years employment |  |  |  | 01/22/2026 B | 2 | XXXX | TN | 1 | 1 C B | A | A |  | Higher Priced QM (APOR) | 1 |
| 1687385 | XXXX | XXXX | 8107652 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX value of XXXX is lower than appraised value of XXXX XXXX management approval in file to use XXXX XXXX value of XXXX |  | Client XXXX with XXXXXX XXXX XXXX reserves when only XXXX required, XXXX fico score where the minimum required is XXXX XXXX of XXXX when only XXXX is required. |  |  |  | 01/23/2026 B | 2 | XXXX | LA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687388 | XXXX | XXXX | 8107656 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for XXXX income of less than XXXXX as required per guidelines for a three in household family size. |  | Client XXXX with XXXXXX XXXX XXX prior mortgage payment history; significant equity in subject property; downsizing to have a more manageable payment/property |  |  |  | 01/29/2026 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687388 | XXXX | XXXX | 8107658 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX provided |  |  | 01/29/2026 |  | A | 1 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687388 | XXXX | XXXX | 8107659 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX credit score XXXX for an XXXX XX XXXX purchase. XXXX credit score XXXX |  | Client XXXX with XXXXXX XXXX XXX prior mortgage payment history; significant equity in subject property; downsizing to have a more manageable payment/property |  |  |  | 01/30/2026 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687388 | XXXX | XXXX | 8107657 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for bridge loan with XXXX less than XXXX |  | Client XXXX with XXXXXX XXXX XXX prior mortgage payment history; significant equity in subject property; downsizing to have a more manageable payment/property |  |  |  | 01/29/2026 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687395 | XXXX | XXXX | 8107673 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD received |  |  | 01/23/2026 |  | A | 1 | XXXX | WA | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1687410 | XXXX | XXXX | 8107689 | 379 | XXXX | Credit | UW Other |  | UW Other - UW - Letter of Explanation |  | XXXX verifying intent to retain and rent out departing primary res is required to utilize rental income. |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX over min XXXX required of XXXX XXXX mtg history XXXX XXXX months reserves when XX months reserves required. |  |  |  | 02/03/2026 B | 2 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1687410 | XXXX | XXXX | 8107690 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX to be self-employed XX yrs XXXX request XXXX most recently been s/e for XX yr however was s/e from XXXX to XXXX then a XXXX gap due to helth issues. |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX over min XXXX required of XXXX XXXX mtg history XXXX XXXX months reserves when XX months reserves required. |  |  |  | 01/29/2026 B | 2 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1687410 | XXXX | XXXX | 8107691 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX properties require sr management approval XXXX XXXX XXXX property |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX over min XXXX required of XXXX XXXX mtg history XXXX XXXX months reserves when XX months reserves required. |  |  |  | 01/29/2026 B | 2 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1687410 | XXXX | XXXX | 8107692 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXX tolerance violation of XXXX due to increase in credit report-broker fee with no valid coc. XXXX provide evidence of refund along with XXXX to borrower and XXXX reflecting cure. XXXX must be issued within XXX days of consummation. | Information provided |  |  | 02/05/2026 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1687410 | XXXX | XXXX | 8107693 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 02/05/2026 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1687416 | XXXX | XXXX | 8107704 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XX XXXX reserves required on XXXXX XXXX XXXX XXXX when XXXX is greater than XXXX XXXX approval in file allowing for XX months reserves. |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX XXXX XXXX when only XXXX required, and XXXX fico score where the minimum required is XXXX |  |  |  | 02/02/2026 B | 2 | XXXX | MD | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1687422 | XXXX | XXXX | 8107711 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's and co-borrower's credit reports are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 02/05/2026 |  | A | 1 | XXXX | FL | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1687425 | XXXX | XXXX | 8107715 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX XXXX missing from the file. | Received XXX |  |  | 02/03/2026 |  | A | 1 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687425 | XXXX | XXXX | 8107716 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX require XXXX to be self-employed for XX years. XXXX has been self-employed for XXX months. |  | Client waived with compensating factors: XXXX file since XXXX XXXX history paid as agreed, XXXX residual income when XXXX required. |  |  |  | 02/02/2026 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687425 | XXXX | XXXX | 8107717 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX properties require senior management approval. XXXX verified rural with appraisal. |  | Client waived with compensating factors: XXXX file since XXXX XXXX history paid as agreed, XXXX residual income when XXXX required. |  |  |  | 02/02/2026 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687425 | XXXX | XXXX | 8107718 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX reflect the maximum XXX acres. XXXX is XXXX acres. |  | Client waived with compensating factors: XXXX file since XXXX XXXX history paid as agreed, XXXX residual income when XXXX required. |  |  |  | 02/02/2026 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687425 | XXXX | XXXX | 8107719 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XX months reserves required for XXXX XXXX statement XXXX XXXX XXXX has XX months reserve. XXXX in file for XX months reserve. |  | Client waived with compensating factors: XXXX file since XXXX XXXX history paid as agreed, XXXX residual income when XXXX required. |  |  |  | 02/02/2026 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687426 | XXXX | XXXX | 8107720 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for less than a XXXX XXXX XXXX history as required under the XXXX XXXXX XXXX XXXX XXXX XXXX guidelines. |  | Client XXXX with XXXXXX XXXX XXXX XXXX where the max allowed is XXXX XXXX months reserves when only XX months required, XXXX of XXXX where the max allowed is XXXX and XXXX fico score where the minimum required is XXXX |  |  |  | 01/28/2026 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687426 | XXXX | XXXX | 8107721 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX verified with XXXX of business XXXX statements is less than the required XXXX of business XXXX statements required under the XXXX XXXXX XXXX XXXX XXXX XXXX guidelines. |  | Client XXXX with XXXXXX XXXX XXXX XXXX where the max allowed is XXXX XXXX months reserves when only XX months required, XXXX of XXXX where the max allowed is XXXX and XXXX fico score where the minimum required is XXXX |  |  |  | 02/02/2026 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687427 | XXXX | XXXX | 8107723 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report received. |  |  | 02/02/2026 |  | A | 1 | XXXX | NC | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1687428 | XXXX | XXXX | 8107726 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for non-warrantable condominium with XXXX delinquent XXXX dues > maximum XXXX delinquent XXXX dues and XXXX investor XXXX XXXX > XXXX maximum with XXXX above XXXX as required per guidelines for a non-warrantable condominium project. |  | Client XXXX with XXXXXX XXXX XXXX months reserves when only XX months required, XXXX current mortgage payment history since XXXX • XXXX of XXXX where the minimum required is XXXX and XXXX fico score where the minimum required is XXXX |  |  |  | 02/04/2026 B | 2 | XXXX | MD | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687429 | XXXX | XXXX | 8107727 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX guidelines payment shock may not exceed XXXX XXXX shock for subject is XXXX |  | Client waived with XXXXXX XXXX XXXX XXXX where XXXX is the maximum, XXXX XXXX of XXXXXX where XXXX is required, XXXX of XXXX where XXXX is the minimum required. |  |  |  | 02/04/2026 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687455 | XXXX | XXXX | 8110888 | 862 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing from file. Please provide, along with LOI to re-record. | Information provided |  |  | 10/06/2025 |  | A | 1 | XXXX | NJ | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1687511 | XXXX | XXXX | 8129206 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing a Certificate of Foreign Qualification to operate in California where the property is located when the entity is formed in Oklahoma. |  | Client Waived with Compensating Factors: LTV 13.08%, 79.28 months reserves, DSCR 1.96% |  |  |  | 12/10/2025 B | 2 | XXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687568 | XXXX | XXXX | 8146712 | 1024 | XXXX | Credit | UW Assets |  | UW Assets - UW - Gift Receipt |  | XXXX letter in file and gift transfer in file but no proof of those funds in donors account as per XXXX guidelines. | Wire received from donor's account to title company. |  |  | 02/05/2026 |  | A | 1 | XXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1687610 | XXXX | XXXX | 8185202 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX XXXX XXXX XXXX for the departure residence is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 02/05/2026 |  | A | 1 | XXXX | WV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687610 | XXXX | XXXX | 8185205 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX for the XXXX XXXX XXXX loan program require a XXXX XXXX be provided, signed and dated within XXX days of closing. XXXX XXXX provided was signed XXXX days prior to the closing. |  | Exception approval received for XXXX older than XXX days. XXXXXX XXXX XXXX XXXX max XXXX XXXX XXXX - min XXXX |  |  |  | 02/11/2026 B | 2 | XXXX | WV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687663 | XXXX | XXXX | 8185346 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXX guidelines, a verbal XXXX must be completed within XXX days prior to the XXXX date. | Received XXX day XXXX |  |  | 01/24/2026 |  | A | 1 | XXXX | IL | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1687663 | XXXX | XXXX | 8185347 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX proof XXXX and XXXX XXXX payments were paid as agreed XXXX | Received XXXX XXXX XXXX XXXX lates |  |  | 01/24/2026 |  | A | 1 | XXXX | IL | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1687663 | XXXX | XXXX | 8185348 | 317 | XXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | XXXX final signed XXXX from sale of previous residence with a minimum of XXXXXX as per XXXX | Sr XXXX approved unsigned and undated copy of prior XX |  |  | 02/11/2026 |  | A | 1 | XXXX | IL | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1687832 | XXXX | XXXX | 8283788 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX month mortgage history is not showing on the credit report for the subject. XXXX XXXX | Sr XXXX waived due to borrower not personally liable. |  |  | 02/17/2026 |  | A | 1 | XXXX | MT | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1687966 | XXXX | XXXX | 8324051 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum 2 years self-employed or 1099. |  | Compensating factors: good credit, not a credit abuser, long time ownership, not likely to move, owned subject since 2009, FICO 712, excellent collateral. |  |  |  | 10/18/2024 B | 2 | XXXX | NC | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1687966 | XXXX | XXXX | 8324053 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 02/10/2026 |  | A | 1 | XXXX | NC | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1687966 | XXXX | XXXX | 8324052 | 896 | XXXX | Compliance | Compliance |  | Compliance - TRID CD-Timing |  | The APR increased more than .125 between the 9/20 CD and 10/10 CD. A CD should have been issued at least 3 days before the 10/10 CD due to this increase. Please provide a CD issued at least 3 days before the 10/10 CD. If a CD was not issued, then loan will be Non-TRID compliant |  | 12-month statute of limitations, 12-month period has expired | Reviewer 06/25/2025 01:27 PM; Compliance report will not clear def<br>|  |  | 02/10/2026 B | 2 | XXXX | NC | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1686028 | XXXX | XXXX | 7741514 | 920 | XXXX | Compliance | Compliance |  | Compliance - TRID-Missing Final CD |  | Need the CD signed at the closing date of 12/8 per the Notary date on the DOT. | CD provided |  | Client 12/29/2025 04:16 PM; On this one the CD timing is compliant. Initial CD was sent and received on 11/21/25. Revised CDs were sent 12/8/25-12/12/25. The CD signed 12/12/25 reflects acknowledgement of the final CD which was sent with the Ability to Repay Certification to be signed at closing on 12/12/25 and does not indicate late disclosures. I do not see any TRID regulation or Illinois law requiring the CD to be signed on the same date as the DOT. TRID (12CFR 1026.19(f)(1)(ii)(A)) mandates <br>Reviewer 12/29/2025 05:05 PM; <br>Reviewer 12/30/2025 02:02 PM; missing CD issued 12/8<br>Reviewer 12/30/2025 02:03 PM; Hello <br> The file does not contain a CD issued 12/8. Deficiencies have been updated. Need CD issued 12/8 <br>Thanks<br>| 12/30/2025 |  | A | 1 | XXXX | IL | 1 | 3 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1686109 | XXXX | XXXX | 7742175 | 371 | XXXX | Valuation | UW Qualifications |  | UW Qualifications - UW - Declining Market Policy not met/satisfied |  | Guidelines state for Declining market indicated by appraisal, 5% LTV reduction AND Sr Management Approval is required. |  | Received Sr Mgmt approval/ Client Waived with Comp Factors: Excellent credit history no derogs, FICO 810 over min req FICO of 660. Low LTV 64.286% under max allowed of 90%. LOW DTI 27.337% under max allowed of 50% when LTV is =<80%, Excellent reserves of 27.57months, over min required reserves of 0 when LTV <65%. | Reviewer 12/15/2025 06:07 PM; <br>|  |  | 12/15/2025 B | 2 | XXXX | CO | 1 | 1 C B | A | A C B |  | Safe Harbor QM (APOR) | 1 |
| 1686138 | XXXX | XXXX | 7742218 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing exception approval for 13 months bank statements to be used under the Super Prime Alt A 12 month bank statement program. Please provide approval. |  | Exception approval received to use 13 months bank statement average. Comp factors - 27 years credit depth, perfect mtg history, 6 years SE, 57% LTV | Reviewer 12/21/2025 09:08 AM; The document provided did not include an exception to use 13 months bank statements<br>|  |  | 12/22/2025 B | 2 | XXXX | CO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686204 | XXXX | XXXX | 7742330 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide verification of frequency of HOA payments ($699.90) on primary residence. Document provided does not show what period is being paid. | The primary residence at 304 Glencairn Ct is a detached PUD with an annual HOA fee. It was paid on 4/29/25. Uploaded Zillow profile that shows at the time of purchase the annual fee was $516. |  | Client 01/05/2026 10:34 AM; The primary residence at XXXX XXXX XXX is a detached XXXX with an annual XXXX fee. XXX was paid on XXXX XXXX XXXX profile that shows at the time of purchase the annual fee was XXXX XXXX you. <br>Reviewer 01/05/2026 12:44 PM; Condition has been reviewed. <br>| 01/05/2026 |  | A | 1 | XXXX | FL | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686225 | XXXX | XXXX | 7742387 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXX proof XXXX letter, etc) that the borrower is XXXX owner of the business. | SOS business search confirms borrower is sole member |  | Client 01/06/2026 05:49 PM; SOS business search confirms borrower is sole member. XXXX you. <br>Reviewer 01/06/2026 06:05 PM; Condition has been reviewed.<br>| 01/06/2026 |  | A | 1 | XXXX | OR | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686229 | XXXX | XXXX | 7742390 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX for a XXXX time home buyer require evidence of XXX months cancelled rent checks. XX full XXX month history was not provided and evidence of rent checks were not provided. XX statement reflecting payments was included but there was no evidence the statement is from an institution or source of the statement. | The XXXX month's rent and deposit were paid in cash. XXXX the proof of deposit slips from the landlord. XXXX remaining XXX months are shown with a XXXX transaction history from XXXX XXXX XXX matched up the XXXX with the XXXX XXXX statements. |  | Client 01/13/2026 11:22 AM; The XXXX months rent and deposit was paid in cash and we got the proof of deposit slips from the landlord. XXXX remaining XXX months are shown with a XXXX transaction history from XXXX XXXX XXX matched up the XXXX with the XXXX XXXX statements. XXXX you. <br>Reviewer 01/13/2026 12:08 PM; Condition has been reviewed. <br>| 01/13/2026 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687278 | XXXX | XXXX | 8107129 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX is short total reserves required. XXXX required reserves were XXXX XXXX XXXXX was verified, leaving a shortage of XXXX | CD from cash out XXXX XXXX XXXX provided |  | Client 02/03/2026 06:50 PM; Per cash to close worksheet, XXXX XXXX cash out cover reserves (for the largest reserves required between the XX new loans) and more than covers cash needed to close. XXXX you. <br>Reviewer 02/04/2026 07:13 AM; Condition has been reviewed<br>| 02/04/2026 |  | A | 1 | XXXX | TN | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1687307 | XXXX | XXXX | 8107544 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX require a maximum payment shock of XXXX XXXX primary housing payment results in a payment shock of XXXX |  | Client waived with compensating factors: XXXX XXXX (max XXXX XXXX income XXXXXX (required XXXXXX lot of property ownership experience. | Client 01/30/2026 02:00 PM; Not normally a requirement on the loan approval with new primary purchase. XXXX you. <br>Reviewer 01/30/2026 03:21 PM; Condition has been reviewed<br>|  |  | 01/30/2026 B | 2 | XXXX | UT | 1 | 3 D B | A | A |  | Non-QM | 1 |
| 1687341 | XXXX | XXXX | 8107596 | 959 | XXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | XXXX balance does not match last disclosed XXX in file - please provide updated XXXX matching last disclosed XX |  | client acknowledges- XXX discloses correct escrows | Client 01/15/2026 04:44 PM; Hi, if XXXX grade, please waive. XXXX<br>Reviewer 01/15/2026 06:41 PM; <br>Reviewer 01/16/2026 12:02 PM; Hello <br> XXXX has been updated and will grade as XXX<br>XXXX<br>|  |  | 01/16/2026 B | 2 | XXXX | NJ | 1 | 1 B | A | A |  | Non-QM | 1 |
| 1687405 | XXXX | XXXX | 8107682 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX shock to be reviewed with senior management the borrower currently owns primary residence home free and clear. | Received XXX XXXX approval for payment shock due to borrower owning primary free and clear. |  | Reviewer 01/28/2026 09:43 AM; Document received was a blank page. XXXX resubmit<br>| 01/28/2026 |  | A | 1 | XXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1687428 | XXXX | XXXX | 8107725 | 959 | XXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | XXXX in file does not match last disclosed XXX issued XXXX (monthly tax payment does not match) |  | Client acknowledges - XXXX is correct | Client 02/04/2026 12:25 PM; Please confirm rating. XXX XXXX XX please waive. XXXX you!<br>Reviewer 02/04/2026 01:06 PM; <br>Reviewer 02/05/2026 12:40 PM; Hello <br> XXXX has been updated and will grade a X<br>|  |  | 02/05/2026 B | 2 | XXXX | MD | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687966 | XXXX | XXXX | 8324049 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 02/10/2026 |  | A | 1 | XXXX | NC | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1681471 | XXXX | XXXX | 7242998 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX the short-term rental schedule and XXXX rent schedule for the subject property. XXXX XXX rent schedule was provided for XXXX XXXX XXXX which is not the subject property | Updated XXXX received |  | Client 11/07/2025 04:53 PM; Hi, typo on the appraisal, working to get this resolved. XXXX<br>Reviewer 11/10/2025 06:10 AM; <br>Reviewer 11/10/2025 12:59 PM; Hello <br> XXXX for letting us know. <br>Client 11/12/2025 10:11 AM; Hi, is there any way to proceed with the review and we can upload the corrected appraisal upon receipt?<br>Reviewer 11/12/2025 10:56 AM; Document is needed in order to calculate the correct XXXX<br> XXX<br>Client 11/12/2025 10:57 AM; Hi, document is the same, its a typo in the address. XXXX<br>Reviewer 11/12/2025 11:28 AM; Appraisal pages XXXX show XXXX XXXX XXXX the XXXX addendum (narrative) reflects subject XXXX XXXX as XXXX XXXX XXXX not XXXX XXXX XXXX the issue is the XXXX docs. XXX can't calculate the income on an assumption it's the correct property even though it may be a typo. XXXX <br>Reviewer 11/12/2025 11:29 AM; Appraisal pages XXXX show XXXX XXXX XXXX the XXXX addendum (narrative) reflects subject XXXX XXXX as XXXX XXXX XXXX not XXXX XXXX XXXX the issue is the XXXX docs. XXX can't calculate the income on an assumption it's the correct property even though it may be a typo XXXX <br>| 11/18/2025 |  | A | 1 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1686140 | XXXX | XXXX | 7742224 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Need proof that Borrower owns 100% of the business. | SEQ reflects 100% |  | Client 01/02/2026 03:10 PM; OpenCorp doc in file confirms borrower has sole ownership. XXXX <br>Reviewer 01/02/2026 03:57 PM; Condition has been reviewed <br>| 01/02/2026 |  | A | 1 | XXXX | NM | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1686210 | XXXX | XXXX | 7742353 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for payment shock 3.18x > the maximum allowed payment shock of 3.0x. |  | Client Waived with Compensating Factors: FICO 784/781 where the minimum required is 720, LTV of 81.786% where the max allowed is 90%, 71.83 months reserves when only 6 months required, and DTI of 30.496% where the maximum allowed is 45%. | Reviewer 12/29/2025 08:37 AM; <br>|  |  | 12/29/2025 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686721 | XXXX | XXXX | 7878445 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX for the XXXX XXXX XXXX loan program require XX months reserves. XXXX subject loan closed with XXXX months reserves. | Received XXX XXXX approval for XXXX months reserves. |  | Reviewer 01/16/2026 05:37 PM; Cash required for closing XXXX + XX months reserves XXXX = XXXX XXXX verified $ XXXX XXXX by XXXX XXXX exception or additional funds.<br>Client 01/19/2026 11:57 AM; Cash to close in file shows sufficient assets for reserves. XXXX you. <br>Reviewer 01/19/2026 12:33 PM; Cash required for closing XXXX + XX months reserves XXXX = XXXX XXXX verified $ XXXX XXXX by XXXX XXXX exception or additional funds.<br>Client 01/20/2026 12:30 PM; Please see cash to close uploaded XXXX for our cash to close calculations. XXX seems we are calculating different reserve requirements. XXXX you.<br>Reviewer 01/20/2026 12:42 PM; The difference is: XXXXX is calculating reserves of XXXX XXXX x XXX XXXXXX XXXX XXXX are XXXXXXXX<br>Reviewer 01/20/2026 12:42 PM; The difference is: XXXXX is calculating reserves of XXXX XXXX = XXXXXX XXXX XXXX are XXXXXXXX<br>| 01/28/2026 |  | A | 1 | XXXX | PA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1687065 | XXXX | XXXX | 8008604 | 973 | XXXX | Compliance | Compliance |  | Compliance - CD- Other |  | Provide PCCD to show loan funded after the expiration of the 3 day right to cancel expiration. | Information provided |  | Reviewer 12/17/2025 02:38 PM; Received the settlement statement, however the PCCD correcting the disbursement date is required <br>Client 12/29/2025 11:44 AM; Please clarify how the CD needs to be updated. As stated in the previous escalation, the disbursement date on the CD signed at closing matches the disbursement reflected on the Final settlement statement. Unclear what specifically needs to be changed and why. Please clear, clarify, or escalate further. Thank you. <br>Reviewer 12/29/2025 12:35 PM; Per Final Settlement Statement loan funded prior to end of recission period - loan should not have funded until 12/11<br>Reviewer 12/29/2025 12:38 PM; Hello <br> Loan should not have funded on 12/10 - earliest funding date is 12/11. Need evidence that loan funded 12/11. <br>Thanks<br>Reviewer 12/29/2025 01:04 PM; <br>| 01/08/2026 |  | A | 1 | XXXX | CA | 1 | 3 D A | C | A |  | Non-QM | 1 |
| 1687401 | XXXX | XXXX | 8107676 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX appraisal used which requires XXXX XXXX approval. |  | Compensating factors; XXXX months reserves when only XX months required, XXXX of XXXX where the minimum required is XXXX | Reviewer 01/23/2026 01:24 PM; <br>|  |  | 01/23/2026 B | 2 | XXXX | VA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687610 | XXXX | XXXX | 8185203 | 317 | XXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | XXXX XXXX XXXX XXXX for the departure residence, only a preliminary XXX was provided. | Signed XXXX provided XXXXXX proceeds to borrower |  | Client 02/11/2026 10:50 AM; CD is in file. XXXX confirm status of finding. XXXX you. <br>Reviewer 02/11/2026 11:02 AM; Hello, the XXX for the borrower's departing residence XXXX XXXX XXXX is preliminary XXX XXXX XXX shows XXXX XXXX<br>Reviewer 02/11/2026 03:57 PM; The XXX for the borrower's departing residence XXXX XXXX XXXX is preliminary XXX XXXX XXX shows XXXX XXXX<br>| 02/12/2026 |  | A | 1 | XXXX | WV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1685993 | XXXX | XXXX | 7741991 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX contributions of XXXXX exceed closing costs of XXXXXX XXXX provide an updated XXX and evidence of refund of XXXXXX to seller. | There was a XXXX in excess seller credit or inducement to purchase here lowering the effective sales XXXX from XXXXX to XXXXXX but because our loan amount was based off the lower appraised value of XXXXXX we would not need to adjust our XXXX at all here and no refund would be required. |  | Reviewer 01/07/2026 05:52 PM; Received approval for seller paying more than the actual closing costs. XXXX cannot pay more than the actual closing costs without affecting the XXXX XXXX provide an updated XXX and evidence of refund of XXXXXX to seller.<br>Client 01/09/2026 12:13 PM; We have a XXXX in excess seller credit or inducement to purchase here lower the effective sales XXXX from XXXXX to XXXXXX but because our loan amount was based off the lower appraised value of XXXXX we would not need to adjust our XXXX at all here and no refund would be required. XXXX you. <br>Reviewer 01/09/2026 01:43 PM; Condition has been reviewed. XXX<br>| 01/09/2026 |  | A | 1 | XXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1685995 | XXXX | XXXX | 7741994 | 201 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Hazard Insurance Application and or Quotes are not Acceptable. Please provide hazard policy. | Information provided |  | Reviewer 12/10/2025 12:43 PM; The policy provided says it is an application and only provides a quote number, please provide the actual policy <br>| 12/15/2025 |  | A | 1 | XXXX | CT | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686033 | XXXX | XXXX | 7742063 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX loan amount for XXXX XX - XXX XXXX XXXX is XXXXX XXXX approval in file allowing loan to close with loan amount of XXXX |  | Client XXXX with XXXXXX XXXX XXXX of XXXX where XXXX is required, XXXX of reserves when only XXXX required, XXXX of XXXX when only XXXX is rquired. | Reviewer 01/13/2026 02:24 PM; <br>|  |  | 01/13/2026 B | 2 | XXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1686055 | XXXX | XXXX | 7742100 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX will consider some rural properties but all require senior management approval. |  | Client Waived with compensating factors: No adverse impact on marketability and marketing time, stable market. Property is rural residential at 7.17 ac. 771 FICO with a LTV 58.548% where a 680 FICO and 75% LTV are required. | Reviewer 12/31/2025 11:56 AM; Property is 7.17 ac on public roads<br>|  |  | 12/31/2025 B | 2 | XXXX | TX | 1 | 13 C B | C | A C B |  | Non-QM | 1 |
| 1686077 | XXXX | XXXX | 7742140 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The borrower has less than 2 years self-employment required under the Super Prime Alt A bank Statement program. |  | Exception approval received for SE < 2 years. Compensating Factors - -0- late for 29 months mortgage history and 4 closed previous mortgages, $3,000 residual income and over $120K reserves. Score = 792 | Reviewer 12/15/2025 06:29 PM; The AL SOS document provided is dated 12/19/2023 with XXXX as the Agent and is less than 2 years old and does not include the borrower's name. The Operating Agreement provided is dated March 2024 and is less than 2 years old. Provide exception approval for less than 2 years SE<br>|  |  | 12/17/2025 B | 2 | XXXX | AL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686169 | XXXX | XXXX | 7742272 | 379 | XXXX | Credit | UW Other |  | UW Other - UW - Letter of Explanation |  | XXXX was listed for sale with in the past XXXX was listed for sale and withdrawn XXXXX this requires letter of XXXXX stating reason for listing property and intent moving forward. | Received XXX discretionary approval for XXX |  | Reviewer 01/06/2026 11:45 AM; The loan approval received did not include any comments to explain reason for listing property and intent moving forward.<br>| 01/07/2026 |  | A | 1 | XXXX | FL | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1686196 | XXXX | XXXX | 7742315 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX the loan closed XXXXX proof of XXXXX mortgage payments for XXXX XXXX mortgage with a XXXX balance as per credit. |  | Client XXXX with XXXXXX XXXX XXXX guidelines indicate this is an underwriter discretion item, XXXX on current XXXX XXXX months reserves are required. XXXX has XXXX months reserves. XXXX XXXX is XXXX XXXX XXXX is XXXX | Reviewer 01/13/2026 03:32 PM; XX/XXXX payment proof in file. XXXX need for XXXX and XXXX<br>|  |  | 01/14/2026 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1686208 | XXXX | XXXX | 7742335 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | 769 FICO, max LTV 70% with = $3.5 loan amount.</TD |  | Client waived with compensating factors: 30.09% DTI where 50% DTI allowed. Mortgage history on credit report paid as agreed on 20 mortgages reflected on credit report. Minimum 720 FICO required for loan amounts greater than $3.0 million. | Reviewer 12/29/2025 04:17 PM; loan amount less than or equal to $3.5 million. <br>|  |  | 12/29/2025 B | 2 | XXXX | CA | 1 | 1 D B | A | A D |  | Safe Harbor QM (APOR) | 1 |
| 1686208 | XXXX | XXXX | 7742338 | 441 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing Business Tax Returns |  | K1 2024 for XXXX missing from file. | Documentation provided and reviewed. |  | Reviewer 01/05/2026 10:55 AM; Document received was a blank page<br>Reviewer 01/07/2026 11:46 AM; Document received and file returned to XXXX XXX for review<br>| 01/08/2026 |  | A | 1 | XXXX | CA | 1 | 1 D B | A | A D |  | Safe Harbor QM (APOR) | 1 |
| 1686211 | XXXX | XXXX | 7742355 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Need proof of 11/2025 Comerica mortgage payment (0x30) | Business bank statement shows payment was made 11/6/2025 |  | Client 01/05/2026 06:45 PM; For the mortgage, we can see the XXXX XXXX payment made out of the business account on XXXX XXXX you. <br>Reviewer 01/05/2026 07:20 PM; Condition has been reviewed. <br>| 01/05/2026 |  | A | 1 | XXXX | CA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1687065 | XXXX | XXXX | 8008603 | 63 | XXXX | Compliance | Right to Cancel |  | Right to Cancel - expiration is not three days from execution. |  | Right to Cancel is dated 12/05/2025 and cancellation date is 12/09/2025. However, loan did not close until 12/07/2025. Provide updated Right to Cancel with full 3 business days from closing. | Information provided |  | Reviewer 01/08/2026 04:34 PM; RTC reflecting correct dates uploaded is not executed. XXXX executed XXXX with correct dates<br>Client 01/09/2026 10:44 AM; Hi, this has not been a requirement in the past. XXXX did not choose to cancel the loan. XXXX escalate if needed. XXXX<br>Reviewer 01/09/2026 10:53 AM; <br>Reviewer 01/09/2026 02:10 PM; Hello <br> XXX executed XXXX with correct dates is required. <br>XXXX<br>Client 01/20/2026 10:05 AM; Hi, could you please clarify why this is needed. XXXX received the updated XXXX and did not choose to cancel the loan. XXXX has been sufficient several times in the past to resolve this deficiency. XXXX<br>Reviewer 01/20/2026 10:36 AM; <br>Reviewer 01/20/2026 11:07 AM; Hello <br> XXXX an executed XXXX with the correct dates can be provided or they can cross out the incorrect date, update to the correct date and initial the already existing XXXX<br>XXXX<br>Client 01/20/2026 12:18 PM; If borrower wet signs updated XXXX provided on XXXX will it still be considered valid with the dates as entered? XXX do we need to provide another XXXX with updated dates if the current one is now out of date, or will be out of date by the time the borrower signs. XXXX clarify. XXXX you.<br>Reviewer 01/20/2026 12:32 PM; <br>Reviewer 01/21/2026 03:39 PM; Hello <br> XXXX a new XXXX with current dates is required (re-open recission). <br>XXXX<br>| 02/04/2026 |  | A | 1 | XXXX | CA | 1 | 3 D A | C | A |  | Non-QM | 1 |
| 1687254 | XXXX | XXXX | 8107086 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX that do not contain a minimum of XXXX square feet of gross living area may be permitted with senior management approval. XXXX XXXX is XXXX XXX XXXX XXX evidence of XXXX XXXX approval for the unit size was provided. |  | Received exception approval for square footage. XXXXXX XXXX - experienced investors, XX mortgages paid XXXX XXX months reserves- XX months required, XXXX XXXX XXXX minimum. | Reviewer 01/23/2026 09:55 AM; Documents provided did not include XXX mgmt approval for XXXX XXXX<br>|  |  | 01/24/2026 B | 2 | XXXX | TX | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1687401 | XXXX | XXXX | 8107675 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX property is rural which per guidelines requires XXXX XXXX approval. |  | Compensating factors; XXXX months reserves when only XX months required, XXXX of XXXX where the minimum required is XXXX | Reviewer 01/23/2026 01:24 PM; <br>|  |  | 01/23/2026 B | 2 | XXXX | VA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687428 | XXXX | XXXX | 8107724 | 958 | XXXX | Credit | Closing Package |  | Closing Package - First Payment Letter Other |  | XXXX tax payment on XXXX payment letter does not match last disclosed XXX issued XXXX or XXXX XXXX provide either updated XXXX payment letter or XX |  | Client acknowledges - XXXX is correct | Client 02/04/2026 12:25 PM; Please confirm rating. XXX XXXX XX please waive. XXXX you!<br>Reviewer 02/04/2026 01:06 PM; <br>Reviewer 02/05/2026 12:40 PM; Hello <br> XXXX has been updated and will grade a X<br>|  |  | 02/05/2026 B | 2 | XXXX | MD | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1681272 | XXXX | XXXX | 7226109 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for XXXX XXXX XXXX XXXX with a XXXX XXXX is XXXX XXXX approval in file for XXXX including XXXX stacked points. |  | Compensating XXXX XX mortgage paid XXXX in file since XXXX employment information provided although not required; additional XXXX months reserves more than required XXXX months) | Client 11/10/2025 11:06 AM; Guidelines based on unstacked loan amount. XXXX loan amount is within guidelines. XXXX you. <br>Reviewer 11/10/2025 02:36 PM; condition cleared<br>|  |  | 11/10/2025 B | 2 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1681522 | XXXX | XXXX | 7243112 | 459 | XXXX | Compliance | Note |  | Note - is missing - No Image of Note found in file |  |  | Note provided |  |  | 11/12/2025 |  | A | 1 | XXXX | FL | 1 | 13 D B C | D | A C B |  | Non-QM | 1 |
| 1685384 | XXXX | XXXX | 7561319 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | File is missing 12 months rental history for FTHB. Please provide 12 months cancelled checks or VOR from management company. | Payments are on the bank statements uploaded to file – Except for June which was in the credit folder as paid by spouse. Property profile provided supporting Landlord owns the rental property. |  | Client 01/05/2026 11:58 AM; Payments can be seen on the XXXX statements uploaded to file – XXXX for XXXX which was in the credit folder as paid by spouse. XXXX made to XXXX XXXX XXXX adding evidence XXXX XXXX owns the rental property borrower lived at. XXXX you. <br>Reviewer 01/05/2026 12:50 PM; Condition has been reviewed <br>| 01/05/2026 |  | A | 1 | XXXX | MA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686225 | XXXX | XXXX | 7742386 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX full XXX months proof | Lease and rental ledger provided |  | Client 01/08/2026 11:00 AM; Hi, rental documentation has been uploaded. XXXX<br>Reviewer 01/08/2026 12:07 PM; Condition has been reviewed.<br>| 01/08/2026 |  | A | 1 | XXXX | OR | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686243 | XXXX | XXXX | 7742409 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX credit supplement to verify current primary mortgage payment paid satisfactory for the prior XXX months not to exceed XXXX as required per XXXX guidelines. | Received mortgage history on credit supplement |  | Reviewer 01/15/2026 09:06 PM; The document received did not provide a mortgage history for XXX months.<br>| 01/16/2026 |  | A | 1 | XXXX | NV | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1680948 | XXXX | XXXX | 7214933 | 431 | XXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | XXXX the second consecutive month of XXXX statements for the borrower's checking and savings accounts. XXXX guidelines, the most recent two months of checking and/or savings account statements, or the most recent quarterly account statement, are required to verify assets for a full XXX day period, showing opening and closing balances. XXXX one month of statements has been provided. XXXX period covering XXXX through XXXX | Received XXXX month XXXX statement with XXXX XXXX |  | Reviewer 10/27/2025 08:45 PM; The document received did not include the XXXX month XXXX and XXXX account with XXXX XXXX XXXX XXXX XXXX<br>| 10/29/2025 |  | A | 1 | XXXX | WA | 1 | 1 D B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1686024 | XXXX | XXXX | 7742048 | 423 | XXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | Need corrected Desk review appraisal to reflect the property as a condominium not Single Family Residence. Please provide update. | Subject property is a Single Family attached townhome. Appraisal review and appraisal appear to match and look correct. |  | Client 12/22/2025 11:12 AM; Hi, property is a Single Family attached townhome. Appraisal review and appraisal appear to match and look correct. Thanks.<br>Reviewer 12/22/2025 12:08 PM; Condition has been reviewed. Thx<br>| 12/22/2025 |  | A | 1 | XXXX | NJ | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686034 | XXXX | XXXX | 7742065 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | 1003 identifies additional income for the borrower of $2489.25. The income is shown as other, and is not detailed in the file. (what the income is or how it was calculated.)Without this income the DTI exceeds the 45% maximum allowed per guidelines with >80% LTV. | Received 1008 to match 1003 |  | Reviewer 12/30/2025 11:11 AM; The document received is a Zillow Zestimate for Rent of $3,319 for XXXX which is listed on the 1003 dated 12/19 as borrower's primary home. The 1003 REO also reflects property XXXX (subject) as Primary with rental of $3,319. Please provide clarification of which property will produce the additional income of $2,489 and provide 1003 with correct figures on the REO and income sections.<br>Reviewer 12/30/2025 09:38 PM; Received revised 1003 with correct REO schedule. Provide the 1008 with figures to match the 1003 income and debt.<br>Reviewer 12/31/2025 10:53 AM; Documents received did not include the revised 1008 to match he 1003 income and debt<br>| 01/02/2026 |  | A | 1 | XXXX | MA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1686069 | XXXX | XXXX | 7742128 | 862 | XXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Missing Simple Interest Rider (loan did close using simple interest and dot reflects that rider should be attached). Please provide copy of rider along with Letter of intent to re-record. | Information provided |  | Reviewer 01/08/2026 05:11 PM; no documentation provided<br>| 01/12/2026 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1686149 | XXXX | XXXX | 7742237 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Borrower states they are 100% owner of the companies but no proof of this has been provided. | Borrower is a franchisee. Current contracts uploaded to file |  | Client 01/05/2026 10:44 AM; Borrower is a franchisee. XXXX contracts uploaded to file. XXXX you. <br>Reviewer 01/05/2026 12:44 PM; Condition has been reviewed. <br>| 01/05/2026 |  | A | 1 | XXXX | AR | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686196 | XXXX | XXXX | 7742311 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX closed XXXX so proof of XXXX and XXXX payments for XXXX XXXX mortgage, XXXX |  | Client XXXX with XXXXXX XXXX XXXX guidelines indicate this is an underwriter discretion item, XXXX on current XXXX XXXX months reserves are required. XXXX has XXXX months reserves. XXXX XXXX is XXXX XXXX XXXX is XXXX | Client 01/14/2026 01:12 PM; The guidelines indicate this is an underwriter discretion item. XXXX has multiple mortgages opened for XXX plus years with some derog noted but not in the last XX plus years. XXXX all, borrower shows a XXXX ability and willingness to pay debt timely and XXXX has closed multiple loans for this borrower. XXXX you. <br>Reviewer 01/14/2026 02:13 PM; Condition has been reviewed. <br>|  |  | 01/14/2026 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1686208 | XXXX | XXXX | 7742334 | 262 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Report Missing |  | Second appraisal dated XXXX value XXXX missing from file. | Information provided |  | Reviewer 12/29/2025 04:03 PM; A second appraisal is required in lieu of a Desk Review with loan amounts greater than $1.5 million for purchase money transactions. The two appraisals must come from two different LMC-approved AMC companies. <br>Reviewer 12/30/2025 08:21 AM; return to original UW when received<br>Reviewer 12/30/2025 02:17 PM; Document received and file returned to Evolve UW<br>| 12/30/2025 |  | A | 1 | XXXX | CA | 1 | 1 D B | A | A D |  | Safe Harbor QM (APOR) | 1 |
| 1686214 | XXXX | XXXX | 7742363 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | First-time Homebuyers rent history must be provided with 12 months cancelled checks or management company VOR. Private party VOR is not allowed. | Received VOR- bank statements reflect auto payment for 12 months |  | Reviewer 12/30/2025 12:53 PM; Documents received did not include rental history with 12 months cancelled checks or management company VOR<br>| 01/08/2026 |  | A | 1 | XXXX | NC | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1686229 | XXXX | XXXX | 7742391 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX XXXX for the XXXX XXXX XXXX loan program is XXXX XXXX at close was XXXX based on a total income of XXXX (borrower wage income of XXXX and co-borrower asset depletion income of XXXXXX and total debts of XXXXX | Revised XXX XXXX + XXXX XXXX total income = XXXX XXX |  | Reviewer 01/12/2026 10:04 AM; W-X income XXXX XXXX XXXX (assets and depletion work sheet in file) XXXX = XXXX XXXX XXXX XXXXXX XXXX shows XXXX XXXXXX + XXX XXXXX not XXXX <br>Client 01/14/2026 01:27 PM; Please clarify what specific items are needed to clear this finding so that XX may go back to the team to request. XXXX you. <br>Reviewer 01/14/2026 02:10 PM; Provide documentation how the underwriter totaled the qualifying income of XXXX (actual XXXXXX or provide an exception for the XXXX exceeding XXXX<br>Reviewer 01/14/2026 02:11 PM; Provide documentation how the underwriter totaled the qualifying income of XXXX (actual XXXXXX or provide an exception for the XXXX exceeding XXXX<br>Client 01/15/2026 03:37 PM; Calculated the income of XXXX + XXXX = XXXXXX XXXX of XXXX XXXX is reflected on updated loan approval and XXX worksheet uploaded to file. XXXX <br>Reviewer 01/16/2026 07:36 AM; Condition has been reviewed<br>| 01/16/2026 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687276 | XXXX | XXXX | 8107122 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX per XXXX guidelines, the maximum mortgage history is XXXX XXXX XXXX XXXX XXXX shows last paid XXXX XXXX XXXX & XXXX were paid as agreed. | VOM provided |  | Client 02/03/2026 01:09 PM; This is an XXXX XXXX XXXX only XXXX we are required to have full mortgage history on is the subject & primary. XXXX XXXX with XXXX XXXX full XXXX XXXX in file <br> XXXX at XXXX XXXX XXX XXXX with XXXX XXXX XXXX & XXXX XXXX XXXX are listed on credit with an updated XXXX for the missing payments in file as well. XXXX you. <br>Reviewer 02/04/2026 07:13 AM; Condition has been reviewed<br>| 02/04/2026 |  | A | 1 | XXXX | TN | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1687307 | XXXX | XXXX | 8107543 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX per XXXX XXXX pay history, XXXX did not pay their XXXX mortgage payment until XXXX XXX per XXXX guidelines, all mortgages must have a XXXX XXXX in file for the late but no management exception found for the late. | For the mortgage late, loan was repriced on XXXX XX which allows for XXXX |  | Client 01/29/2026 12:34 PM; For the mortgage late, loan was repriced on XXXX XX which allows for XXXX<br>Reviewer 01/29/2026 01:42 PM; Condition has been reviewed.<br>| 01/29/2026 |  | A | 1 | XXXX | UT | 1 | 3 D B | A | A |  | Non-QM | 1 |
| 1687328 | XXXX | XXXX | 8107566 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX account XXXX business XXXX statement dated XXXX to XXXX missing to meet XXX months of consecutive history. | Received XXXX XXXX XXXX statement |  | Reviewer 01/14/2026 10:30 AM; Document received is dated XXXX XXXX not receive XXXX XXXX XXXX statement dated XXXX - XXXX<br>| 01/16/2026 |  | A | 1 | XXXX | WA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1687366 | XXXX | XXXX | 8107623 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXX from cash out refinance of primary residence missing from the file. | LE provided is for XXXX refi loan currently being processed for primary XXXXXX XXX + XXXX XXXX |  | Client 01/20/2026 02:42 PM; LE provided is for XXXX refi loan currently being processed for primary. XXXX you. <br>Reviewer 01/21/2026 09:21 AM; Condition has been reviewed.<br>| 01/21/2026 |  | A | 1 | XXXX | CO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687456 | XXXX | XXXX | 8110889 | 374 | XXXX | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | Guidelines require the borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. Utility Bill was provided, however the bill provided was from 2016 and reflects a past due balance. Missing evidence of current residency. | Revised 1003 and LOE provided |  | Reviewer 09/18/2025 10:32 AM; Did not receive third party document with an address that matches the primary residence on the application<br>Reviewer 09/18/2025 05:59 PM; Fecha De Expedicion Julio 05 - 2016 in English means Issue Date July 05 - 2016. <br>Reviewer 09/18/2025 06:04 PM; Address on utility statement: XXXX. Address on loan application: XXXX. Proof of legal residency must match address borrower states on loan application. <br>Reviewer 10/02/2025 03:10 PM; The 1003 reflects borrower owns property at XXXX. Provide third party verification of borrower's primary property<br>Client 10/08/2025 12:50 PM; Please see attached Revised 1003.<br>Reviewer 10/08/2025 01:14 PM; Condition has been reviewed. Thx<br>| 10/08/2025 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1687568 | XXXX | XXXX | 8146713 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX XXXX assets are in co-borrowers name and another XXXX XXXXX XXX letter in file from XXXX that these funds can be used. | Funds removed from this source and remaining reserves over XX months. |  | Reviewer 02/06/2026 12:38 PM; Document received was a blank page<br>| 02/11/2026 |  | A | 1 | XXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1687610 | XXXX | XXXX | 8185204 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX is short total funds to close and reserves required. XXXX to close were XXXXXX and the required reserves were XXXX XXXX XXXXXX was verified, leaving a shortage of XXXXXX | Per eligibility matrix, XX months XXXX reserves XXXX are required for purchase loans with a credit score over XXXX and XXXX between or equal to XXXX and XXXX XXXX XXXX loan fits those qualifications. |  | Client 02/11/2026 10:50 AM; CD is in file. XXXX confirm status of finding. XXXX you. <br>Reviewer 02/11/2026 04:04 PM; Follow-up added to the XXXX <br>Client 02/12/2026 10:08 AM; Hi, per eligibility matrix, XX months XXXX reserves are required for purchase loans with a credit score over XXXX and XXXX between or equal to XXXX and XXXX XXXX XXXX loan fits those qualifications. XXXX<br>Reviewer 02/12/2026 12:57 PM; Condition has been reviewed <br>| 02/12/2026 |  | A | 1 | XXXX | WV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687966 | XXXX | XXXX | 8324050 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing 10% tolerance for increase in Recording fee in Sec E. Violation amount is $19.60. Need a PCCD with cure, lox to borrower, and proof of refund, all within 60 days of consummation. |  | 12-month statute of limitations, 12-month period has expired | Reviewer 06/25/2025 01:27 PM; Compliance report will not clear def<br>|  |  | 02/10/2026 B | 2 | XXXX | NC | 1 | 13 C B | C | B A |  | Non-QM | 1 |
| 1681522 | XXXX | XXXX | 7243114 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX maximum XXXX for a cash out refinance with a XXXX XXXX under the XXXX XXXX program is XXXX XXXX loan exceeds the maximum XXXX at XXXX XXXX exception. |  | Client waived with compensating factors. XXXX borrower has been in the residence for XX years. XXXX borrower has a mortgage history XXXX with the required mortgage history of XXXX XXXX residual income is XXXX and the minimum residual income is XXXXXX | Client 11/11/2025 06:16 PM; Hi XXXX is the stacked XXXX which is allowed. XXXX XXXX XXXX is XXXX<br>Reviewer 11/13/2025 04:45 AM; Condition has been reviewed. XXX<br>|  |  | 11/13/2025 B | 2 | XXXX | FL | 1 | 13 D B C | D | A C B |  | Non-QM | 1 |
| 1686055 | XXXX | XXXX | 7742102 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Asset Depletion Qualifying Income – draw schedule is 10 years (no age minimum) (Qualified Assets divided by 120) |  | Client waived with compensating factors: 0 months PITIA reserves required when LTV is less than 65%, 58.54% LTV and 86 months reserves with cash-in hand. 771 FICO with a LTV 58.548% where a 680 FICO and 75% LTV required. LOX in file stating cash-in hand funds will be deposited into a savings account. | Reviewer 12/31/2025 12:36 PM; Asset Depletion over 8 years (UW approval) or 96 months.<br>|  |  | 12/31/2025 B | 2 | XXXX | TX | 1 | 13 C B | C | A C B |  | Non-QM | 1 |
| 1686186 | XXXX | XXXX | 7742297 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX for the XXXX loan program reflect the maximum XXXX is XXXX XXXX loan closed at XXXX XXXX data of XXXX XXXX is verified per the XXX income calculation. XXXX debt XXXX / XXXX qualifying XXXX XXXX XXXX negative rental income was not deducted from the borrowers incomes. XXXXXX all debts reflected on the final XXXX were not included. | The XXXX XXXX is joint with both borrowers. XXX is included in borrower's debts and excluded from XXXXXX additionally, the co-borrower is only an auth user on the XXXX card, so it was excluded from his debt and included in borrower's debt=total XXXX was excluded. XXXX net rental was deducted from their income. XXXX borrower's income XXXX - XXXX neg rent = XXXX XXXX income XXXX - XXXX neg rent = XXXX XXXX XXXXX XXXX debt XXXXXX = XXXX XXXX |  | Client 01/15/2026 03:19 PM; From our calculations, it looks like you are hitting them for the XXXX XXXX XXXX and XXXX XXXX twice. XXXX XXXX XXXX is joint with both XXXX and XXXX XXX is included in XXXX debts and excluded from XXXX XXXX is only an auth user on the XXXX card, so it was excluded from his debt and included in XXXX debt. XXXX XXXX XXXX and XXXX XXXX total XXXX was excluded. <br>XXXX negative net rental was deducted from <br>Reviewer 01/16/2026 07:36 AM; Condition has been reviewed<br>| 01/16/2026 |  | A | 1 | XXXX | FL | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686208 | XXXX | XXXX | 7742337 | 326 | XXXX | Credit | UW Credit |  | UW Credit - UW - Evidence Satisfaction of Debt |  | Credit report for brw3 Noah R'bibo not provided. | Information provided |  | Reviewer 12/30/2025 08:21 AM; return to original UW when received<br>Reviewer 12/30/2025 02:17 PM; Document received and file returned to Evolve UW<br>| 12/30/2025 |  | A | 1 | XXXX | CA | 1 | 1 D B | A | A D |  | Safe Harbor QM (APOR) | 1 |
| 1686248 | XXXX | XXXX | 7742423 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX proof of XXXX & XXXX XXXX mortgage payments. XXXX | Not needed. XXXX subject is free and clear, and borrower has no primary housing expense. XXXX other mortgages on credit report are from other investment properties, and this is a XXXX |  | Client 01/19/2026 10:10 AM; I don't believe we need the rating for that mortgage. XXXX subject is free and clear, and borrower has no primary housing expense. XXXX other mortgages on credit report are from other investment properties, and this is a XXXX <br>Reviewer 01/19/2026 03:09 PM; Condition has been reviewed. <br>| 01/19/2026 |  | A | 1 | XXXX | AR | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687345 | XXXX | XXXX | 8107600 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXX hazard policy expires within XXX days, please provide current policy. | Policy provided |  | Reviewer 01/23/2026 09:28 AM; <br>| 01/23/2026 |  | A | 1 | XXXX | TX | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1681272 | XXXX | XXXX | 7226110 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX cash in hand for a XXXX cash out refinance with XXXX < XXXX is XXXXX XXXX cash out XXXXX |  | Compensating XXXX XX mortgage paid XXXX in file since XXXX employment information provided although not required; additional XXXX months reserves more than required XXXX months) | Client 11/10/2025 11:09 AM; Cash XXXX approval already reflected on loan approval in file. XXXX you. <br>Reviewer 11/10/2025 02:36 PM; condition cleared<br>|  |  | 11/10/2025 B | 2 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1685241 | XXXX | XXXX | 7672086 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing 0% tolerance for the increase in the Transfer Taxes in Sec E of the final CD without valid explanation. Violation amount is $2.12. Need a PCCD with cure, lox to borrower, and proof of refund, all within 60 days of consummation 12/11. (It is noted that the loan amount increased on the 12/10 CD, but there was no change in loan amount from the 12/10 CD to the final CD signed 12/11.) | Finding cured |  | Reviewer 12/19/2025 07:38 PM; Nothing provided to cure this.<br>|  | 01/15/2026 | B | 2 | XXXX | TN | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1686004 | XXXX | XXXX | 7742007 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal states Purchase Transaction and states it is a FSBO and under a contract as of XXXX as a non-arms length transaction, provide proof FSBO listing has been removed/withdrawn and a Letter of explanation from Borrower. | The subject was FSBO in XXX while borrower's mother alive. Mother passed away in XXXX. The subject was left to our borrower and his two siblings per Probate /Homestead Status filed XXXX Our borrower decided to keep the subject as a 2nd home and payoff his other two siblings to relinquish their vested interest in the subject property |  | Client 01/05/2026 10:32 AM; The subject was XXXX in XXXX while borrower's mother, XXXX XXXXX was alive. XXXX passed away in XXXX XXXX subject was left to our borrower and his two siblings per XXXX XXXX XXXX filed XXXX XXXX borrower decided to keep the subject as a XXXX home and payoff his other two siblings to relinquish their vested interest in the subject property. <br>XXXX XXXX XXXX XXXXX passed away in XXXX leaving the proper<br>Reviewer 01/05/2026 12:43 PM; Condition has been reviewed. <br>| 01/05/2026 |  | A | 1 | XXXX | FL | 2 | 13 C A | A | A C |  | Non-QM | 1 |
| 1686050 | XXXX | XXXX | 7742093 | 389 | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | A fraud report for the co-borrower was not provided. Provide fraud report for the co-borrower. | CoreLogic Report provided |  | Client 01/02/2026 11:59 AM; Documentation in file addresses alerts on fraud. XXX you believe one needs to be addressed please specify. XXXX you. <br>Reviewer 01/02/2026 01:49 PM; Condition has been reviewed. XXX<br>| 01/02/2026 |  | A | 1 | XXXX | NC | 2 | 13 C A | A | A |  | Non-QM | 1 |
| 1686064 | XXXX | XXXX | 7742119 | 322 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | The primary wage-earner score will be used as the representative credit score for each loan. To determine the representative credit score for the transaction, determine the score for each individual borrower. Select the middle score when three agency scores are provided and the lower score when only two agency scores are provided. |  | Client waived with compensating factors: 792 FICO where a minimum 700 FICO required. 27.796% DTI where max DTI = 45%. B1 Self-employed since 02/01/2021 with established clientele. | Reviewer XXXX 03:02 PM; B1 does not have sufficient credit history with Transunion and Equifax. B2 has three scores management approved to use B2 mid score. <br>|  |  | XXXX B | 2 | XXXX | HI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686082 | XXXX | XXXX | 7742147 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Payment shock is unknown as no mortgage history since 06/2025 and that mortgage on the credit report does not show the payment amount. | The mortgage reporting on the credit is not Borrower's primary (it is daughter's house and she was making the payments) Borrowers primary is and has been owned free and clear. Title to these 2 properties were changed to the correct occupants 10.7.25. |  | Client 01/02/2026 03:34 PM; The mortgage reporting on the credit is not XXXX primary (it is daughter's house and she was making the payments) <br> XXXX primary is and has been owned free and clear. <br> XXXX to these XX properties were changed to the correct occupants XXXXX XXXX you. <br>Reviewer 01/02/2026 03:57 PM; Condition has been reviewed <br>| 01/02/2026 |  | A | 1 | XXXX | GA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686139 | XXXX | XXXX | 7742222 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX provided |  |  | 01/02/2026 |  | A | 1 | XXXX | TN | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1686168 | XXXX | XXXX | 7742265 | 445 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Loan file is missing verification of the CPA authentication via verify business and phone number with a 411 Directory Assistance verification as required per guidelines. | Received third party verification of CPA |  | Reviewer 12/29/2025 07:42 PM; The document received was a processor's certification. Provide third party verification of the CPA business and phone number.<br>Reviewer 12/30/2025 12:28 PM; The document received was a processor's certification. Provide third party verification of the CPA business and phone number.<br>| 12/30/2025 |  | A | 1 | XXXX | UT | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1686173 | XXXX | XXXX | 7742276 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX is the XXXX XXXX on XXXXX XXXX XXXX XXXX when XXXX is greater than XXXX XXXX has an XXXX of XXXX and a XXXX of XXXX per XXX final analysis and XXX review. XXXX exception approval allowing loan to close with XXXX greater than XXXX |  | Exception approval received. compensating factors: XXXX years rental history paid as agreed, all credit paid as agreed, XXXX XXXX when XXXX minimum required, XXXX months reserve when XX months required. | Reviewer 01/13/2026 07:53 PM; <br>|  |  | 01/13/2026 B | 2 | XXXX | WI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1686197 | XXXX | XXXX | 7742319 | 1024 | XXXX | Credit | UW Assets |  | UW Assets - UW - Gift Receipt |  | XXXX funds not reflected on final settlement statement, XXXX or XXXX | Wire to title evidence email shows it was sent to the escrow officer listed on the final settlement statement and who assisted in the closing and transaction. |  | Client 01/14/2026 12:54 PM; Hi, wire to title evidence email shows it was sent to XXXX XXXX who is the escrow officer listed on the final settlement statement and who assisted in the closing and transaction. XXXX<br>Reviewer 01/14/2026 02:13 PM; Condition has been reviewed. <br>| 01/14/2026 |  | A | 1 | XXXX | TX | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1687251 | XXXX | XXXX | 8107081 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX proof XXX XXXX mortgage was paid as agreed for XXXX payment. | Condition waived per XXX XXXX |  | Reviewer 01/26/2026 11:36 AM; Document received did not verify payment was made for XXXX<br>Reviewer 01/28/2026 09:42 AM; Document received was a blank page. XXXX resubmit<br>| 01/28/2026 |  | A | 1 | XXXX | IL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1687300 | XXXX | XXXX | 8107522 | 1067 | XXXX | Credit | Flood Insurance |  | Flood Insurance - Policy address is incorrect or missing |  | XXX XXXX XXXX XXXX XXXX in file | Policy provided |  | Client 01/28/2026 10:30 AM; Hi, the XXXX master policy includes flood per the XXXX XXXXXX XXXX uploaded in the initial loan file. XXXX<br>Reviewer 01/28/2026 11:04 AM; <br>Reviewer 01/28/2026 11:26 AM; Hello <br> XXXX has been cleared. <br>XXXX<br>| 01/28/2026 |  | A | 1 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687349 | XXXX | XXXX | 8107608 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX bond coverage is required for condominium projects over XXX units (or per state requirements). |  | Client waived with XXXXXX factors; XXXX of XXXX where the max allowed is XXXX XXXX months reserves when zero months required, XXXX fico score where the minimum required is XXXX XXXX income of XXXX exceeds the minimum required of XXXX and XXXX of XXXX where the maximum allowed is XXXX |  |  |  | 01/15/2026 B | 2 | XXXX | ID | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687387 | XXXX | XXXX | 8107654 | 973 | XXXX | Compliance | Compliance |  | Compliance - CD- Other |  | XXXXXX date on XXX is XXXX but loan did not close until XXXXX XXXX provide XXXX with correct funded date. | Information provided |  | Reviewer 01/22/2026 04:08 AM; The settlement statement will not clear the condition, please provide a XXXX with the correct disbursement date <br>Client 01/22/2026 11:19 AM; Hi, please advise/escalate, the final settlement statement has been sufficient to clear in the past as it shows the disbursement date. XXXX<br>Reviewer 01/22/2026 11:51 AM; Hello <br> XXXX is not a XXX loan, the XXXX is required for compliance testing. <br>XXXX<br>Reviewer 01/22/2026 11:58 AM; <br>Client 01/26/2026 10:30 AM; PCCD uploaded to file. XXXX you. <br>Reviewer 01/26/2026 11:24 AM; <br>Reviewer 01/26/2026 02:00 PM; Hello <br> XXXX has been cleared. <br>XXXX<br>| 01/26/2026 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1686174 | XXXX |  | 7742279 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Per guidelines, private party VOR's are not allowed for first-time home buyers. The borrowers were first time home-buyers and were renting from a private party paying cash from 4/2020 - 7/2025. | Management Approval to proceed with private VOR |  | Reviewer 01/05/2026 10:39 AM; XX months rental history was not provided. XXXX rental history from XXXX - XXXX XXXX XXXX was from private individual. XXXX exception approval for lack of acceptable XXX<br>| 01/06/2026 |  | A | 1 | XXXX | UT | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1686213 | XXXX | XXXX | 7742362 | 379 | XXXX | Credit | UW Other |  | UW Other - UW - Letter of Explanation |  | Borrower has large deposit of $75k, Explanation regarding why or how this applies to S/E business. | Borrower's is paid $75k for XXXX. |  | Client 01/06/2026 10:16 AM; Hi, this is what the borrower is paid. XXXX check is from XXXX and XXXX XXXX XXXX for XXXX. XXXX<br>Reviewer 01/06/2026 12:19 PM; Condition has been reviewed. XXX<br>| 01/06/2026 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |

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## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 3**

![](evolve-logo.jpg)

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| |
|:---|
| **Valuation Report** |
| **Run Date - 02/23/2026 6:24:02 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** |
| 1685953 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1685955 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687455 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687456 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687457 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1685962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.7 |
| 1687458 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.55% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685992 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429693 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687966 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681471 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681272 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683589 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684842 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1680948 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXX | 0.41% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686004 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687511 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685616 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 19.05% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686010 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1681522 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687251 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687252 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptbale | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687254 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.58% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686017 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686018 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1684911 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687255 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686028 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687256 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686033 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686036 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | a | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687258 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686041 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686042 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686043 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686050 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687261 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptbale | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686054 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686055 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686059 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687262 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687263 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687065 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687265 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686067 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687266 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686075 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686080 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687267 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686084 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXX | 1.01% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686085 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686086 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686089 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686090 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687268 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX |  | 0.00% | XXXX | 1004 |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | a | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686091 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686092 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686094 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1686095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687832 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686096 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686101 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685046 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686109 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.85% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686111 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686113 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686116 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXX | 1.01% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686122 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686725 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686140 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686142 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686145 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.03% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687274 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686151 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687275 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687276 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687277 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687278 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687280 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686155 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686160 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687282 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686163 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.64% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687285 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXX | 0.06% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687286 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687287 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687289 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686167 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686169 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXX | 1.94% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686175 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXXX | XXXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | 7.50% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687292 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686178 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686179 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686180 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686186 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687297 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687298 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687299 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686189 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687301 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686195 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686196 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686722 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.49% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687305 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686199 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686201 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687307 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686203 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687308 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | a | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686204 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXX | 1.59% | XXXXXXXX | 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687310 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686210 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686211 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX |  | 0.00% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687312 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687313 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686214 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687314 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687315 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687316 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXX | 0.13% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687317 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.23% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686217 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686219 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.03% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687320 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687321 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687323 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.79% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687325 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686225 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686226 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687328 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686229 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687329 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686232 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687334 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687336 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687337 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687340 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.75% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687343 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 4.86% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686243 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687345 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687346 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.04% | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687347 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687349 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | a | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687350 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687351 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687352 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687353 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687354 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687356 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686248 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687357 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 8.57% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686251 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687366 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687370 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687373 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687375 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.02% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687376 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687377 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687378 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687379 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 6.93% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687381 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687382 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686254 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687384 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687385 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686255 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.18% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687388 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.54% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687389 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1687395 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687401 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687403 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | a | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687410 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687413 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687417 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687484 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.77% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 4**

![](evolve-logo.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 02/23/2026 6:24:02 AM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1685953 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1685953 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1685953 | XXXX | XXXX | Doc Type | Alternative Doc | Full | Verified |
| 1685953 | XXXX | XXXX | Qualifying DTI | 44.75200 | 0.44752 | Verified |
| 1685955 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1685955 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1685955 | XXXX | XXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1687455 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1687455 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1687456 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1687456 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687456 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1687457 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1687457 | XXXX | XXXX | Product Code | XXXX 30 YR FIXED NO PPP | XXXX30Y | Verified |
| 1687457 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1685962 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1685962 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1685962 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1685962 | XXXX | XXXX | Qualifying DTI | 43.79500 | 0.43795 | Verified |
| 1685962 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1687458 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1687458 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687458 | XXXX | XXXX | Product Code | XXXX 30 YR FIXED 5 YEAR PPP STEP DN | XXX30Y5YPPSD | Verified |
| 1687458 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1685992 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1685992 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1687966 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1633739 | XXXX | XXXX | Property Type | Detached | PUD-Detached | Verified |
| 1633739 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685993 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681471 | XXXX | XXXX | DSCR | 1.424 | 1.390 | Verified |
| 1681471 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1681272 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1683589 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685995 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1685995 | XXXX | XXXX | Qualifying DTI | 0.50201 | 0.49401 | Verified |
| 1684842 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1686000 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686004 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1686004 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1686004 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686004 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686007 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681002 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1681002 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1687511 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1687511 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1687511 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1685616 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1685616 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1685616 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685616 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686010 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1686010 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1681522 | XXXX | XXXX | Property Type | PUD | Townhouse | Verified |
| 1681522 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1681522 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687251 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1687251 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1687252 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1687252 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1687253 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1687253 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1687253 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1685384 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1685384 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1687254 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1687254 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1687254 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686016 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1686016 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686016 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686016 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686017 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1686017 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686018 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686021 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686021 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686021 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1684911 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1684911 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687255 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687255 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687255 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686023 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686024 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686024 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686025 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686025 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686025 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686028 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686028 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686029 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686029 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686030 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686030 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686032 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1686032 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686032 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687256 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687256 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686033 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686033 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1686033 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686033 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686034 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686034 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686034 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686035 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686035 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686035 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686036 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686036 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687258 | XXXX | XXXX | Original Amortization Term | XXXX | XXXX | Verified |
| 1687258 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1687258 | XXXX | XXXX | Interest Only | XXXX | XXXX | Verified |
| 1687258 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687258 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687259 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687259 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686041 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686042 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686043 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686043 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686043 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686043 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686047 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686047 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686048 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686050 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686050 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687261 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687261 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686052 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686052 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1686052 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686052 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686053 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686053 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686054 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686054 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686055 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686055 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686059 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686059 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687262 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687262 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687263 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687263 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687263 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686060 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686060 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687065 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686064 | XXXX | XXXX | Qualifying Credit Score | XXXX | XXXX | Verified |
| 1686064 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686064 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686064 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687265 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687265 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687265 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687265 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686067 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686068 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686068 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686068 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686069 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1686069 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686072 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686072 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686074 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686074 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686074 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686075 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686075 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686075 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686077 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686077 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686078 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686078 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686078 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686079 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686079 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686079 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686080 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687267 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687267 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686082 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686082 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686082 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686084 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686084 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686085 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686086 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1686086 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686086 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686086 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686088 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1686088 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686088 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686088 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1685241 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1685241 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1685241 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686089 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1686089 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686089 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686090 | XXXX | XXXX | Original Amortization Term | XXXX | XXXX | Verified |
| 1686090 | XXXX | XXXX | Interest Only | XXXX | XXXX | Verified |
| 1686090 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686090 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686090 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686090 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687268 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687268 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686091 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686092 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686092 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686092 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686094 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686094 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686095 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686095 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687832 | XXXX | XXXX | Original Amortization Term | XXXX | XXXX | Verified |
| 1687832 | XXXX | XXXX | Interest Only | XXXX | XXXX | Verified |
| 1687832 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687832 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687832 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687832 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686096 | XXXX | XXXX | Original Amortization Term | XXXX | XXXX | Verified |
| 1686096 | XXXX | XXXX | Interest Only | XXXX | XXXX | Verified |
| 1686096 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686096 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686096 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686097 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686097 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686097 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686098 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686098 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686098 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686101 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1685046 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686103 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686104 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686105 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687269 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1687269 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687269 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687269 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686106 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686106 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686106 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686109 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1686109 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686111 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686112 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1686112 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686112 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686112 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686112 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686113 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686113 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686114 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686114 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686114 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686115 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686115 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686116 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686116 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686117 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686117 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686117 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686117 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686118 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686118 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686119 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686119 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686120 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686120 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686121 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686121 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686122 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686122 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686122 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686122 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686725 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686725 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686725 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686725 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686125 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686125 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686126 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686126 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686126 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686128 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686128 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686132 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686132 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686132 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686133 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686133 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686138 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686138 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686138 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686139 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686140 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686140 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686142 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1686145 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686147 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686149 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686149 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686149 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687274 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687274 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686151 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686151 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686152 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686152 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686152 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687275 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687275 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687275 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687276 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1687276 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687276 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687277 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1687277 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687277 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687278 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1687278 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687278 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687280 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1687280 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687280 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686154 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1686154 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686155 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686155 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686157 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686157 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686160 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687281 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687281 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687281 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687282 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687282 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687282 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686721 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686721 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686721 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686163 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687285 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687286 | XXXX | XXXX | Property Street Address | XXXX | XXXX | Verified |
| 1687286 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687286 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687287 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687289 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687289 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686167 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686167 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686168 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686168 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686168 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686169 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686169 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686173 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686173 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686174 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686174 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686174 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686175 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686175 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686176 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686176 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687292 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687292 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687292 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686178 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686178 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686179 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686179 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686180 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687295 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687296 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687296 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686186 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686186 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686186 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687297 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687297 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687297 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687298 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687298 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687298 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687299 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687299 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686189 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686189 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687300 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687301 | XXXX | XXXX | Property Street Address | XXXX | XXXX | Verified |
| 1687301 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686195 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1686195 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686195 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687302 | XXXX | XXXX | Original Amortization Term | XXXX | XXXX | Verified |
| 1687302 | XXXX | XXXX | Interest Only | XXXX | XXXX | Verified |
| 1687302 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687302 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687302 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686196 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686196 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686197 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1686197 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686197 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686197 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686722 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686722 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686722 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687304 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687305 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687305 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686199 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686199 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686199 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686201 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686201 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1686201 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686201 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686201 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687307 | XXXX | XXXX | Property City | XXXX | XXXX | Verified |
| 1687307 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686203 | XXXX | XXXX | Qualifying Credit Score | XXXX | XXXX | Verified |
| 1686203 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686203 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1686203 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686203 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687308 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687308 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686204 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686208 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686208 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686208 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687310 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687310 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687310 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686210 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686210 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687311 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687311 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687311 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687311 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686211 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686211 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686211 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687312 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686213 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686213 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687313 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687313 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687313 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687313 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686214 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686214 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686214 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687314 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687314 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687315 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687315 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687315 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687316 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687316 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687317 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687317 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687319 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1687319 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686216 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686216 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686217 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686217 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686217 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686219 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687320 | XXXX | XXXX | Occupancy | XXXX | XXXX | Verified |
| 1687320 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687320 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687321 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1687321 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687321 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687321 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687322 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687322 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687323 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686221 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1686221 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686221 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687325 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687325 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686224 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686225 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686225 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686226 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686226 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686226 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687328 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1687328 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687328 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686229 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686229 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686229 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686230 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687329 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687329 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687329 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686232 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686234 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1686234 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686234 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686235 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686235 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686238 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686238 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687334 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687334 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686301 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686301 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687336 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687336 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686239 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1686239 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686239 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686240 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686240 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687337 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686241 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686241 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687340 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687340 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687341 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687341 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687663 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687663 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687342 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1687342 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687343 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1686243 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686243 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687345 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687346 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1687346 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687346 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687346 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687347 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687349 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687349 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687350 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687350 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1687351 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687351 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687351 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687352 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687353 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1687353 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687353 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1687354 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686247 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686247 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687356 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687356 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686248 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686248 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687357 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1687357 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687357 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687610 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1687610 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687610 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687610 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687359 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687360 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1687360 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687361 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687361 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1687363 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687363 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686251 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686251 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687366 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1687366 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687366 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686252 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686252 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687368 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687368 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687370 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1686253 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1686253 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687373 | XXXX | XXXX | Original Amortization Term | XXXX | XXXX | Verified |
| 1687373 | XXXX | XXXX | Interest Only | XXXX | XXXX | Verified |
| 1687373 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687373 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687375 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1687375 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687375 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687376 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687376 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687376 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1687377 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687377 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687377 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687378 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687379 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687379 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687381 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1687381 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687381 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687381 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687382 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687382 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687382 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686254 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686254 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687384 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687384 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687385 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687385 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687385 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687385 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687385 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1686255 | XXXX | XXXX | Original Amortization Term | XXXX | XXXX | Verified |
| 1686255 | XXXX | XXXX | Interest Only | XXXX | XXXX | Verified |
| 1686255 | XXXX | XXXX | DSCR | XXXX | XXXX | Verified |
| 1686255 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1686255 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1686255 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687387 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687387 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687388 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1687388 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687389 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687389 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687389 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687568 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| 1687568 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687568 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687393 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1687393 | XXXX | XXXX | Original Amortization Term | XXXX | XXXX | Verified |
| 1687393 | XXXX | XXXX | Interest Only | XXXX | XXXX | Verified |
| 1687393 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687393 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1687395 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1687395 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687397 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687397 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687400 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687400 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687401 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687401 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687401 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687403 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687403 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687403 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687405 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687405 | XXXX | XXXX | Self-Employment Flag | XXXX | XXXX | Verified |
| 1687405 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687405 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687406 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687408 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687410 | XXXX | XXXX | Qualifying DTI | XXXX | XXXX | Verified |
| 1687410 | XXXX | XXXX | QM Status | XXXX | XXXX | Verified |
| 1687410 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687413 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified |
| 1687413 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687416 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1687416 | XXXX | XXXX | Qualifying DTI | 0.45195 | 0.46739 | Verified |
| 1687416 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1687416 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1687417 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1687484 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1687484 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1687422 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1687422 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1687425 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1687425 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1687426 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1687426 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1687427 | XXXX | XXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1687427 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1687428 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1687428 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1687429 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1687429 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1687429 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 5**

![](evolve-logo.jpg)

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 02/23/2026 6:24:02 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** |
| 1685953 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  | 07/22/2025 | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1685955 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  | 08/06/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1687455 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687456 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1687457 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685962 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  | 08/29/2025 | 0.00% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1687458 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685992 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5233.40 | XXXX | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $24194.00 |
| 1429693 | XXXX | XXXX | QM Rebuttable Presumption | N/A | No | XXXX | No | No | $9236.36 | 07/09/2022 | 7.655% | Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $6134.39 |
| 1687966 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 10/10/2024 | 8.14% | Self-Employed |  | US Citizen |  |  |  | Yes | $2695.75 |
| 1633739 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/31/2024 | 7.892% | Employed |  | US Citizen |  |  |  | Yes | $8503.80 |
| 1685993 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No |  | 12/23/2025 | 7.758% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $17514.01 |
| 1681471 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1681272 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1683589 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7152.22 | 11/06/2025 | 7.586% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1685995 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/03/2025 | 7.396% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $6308.15 |
| 1684842 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11498.84 | 11/14/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5129.28 |
| 1680948 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $41349.31 | 10/14/2025 | 0.00% | Employed | Employed | Permanent Resident Alien |  | Permanent Resident Alien |  | Yes | $24334.43 |
| 1686000 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/11/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $19291.74 |
| 1686004 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/22/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $23009.85 |
| 1686007 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/12/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $22540.94 |
| 1681002 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11091.00 | 10/24/2025 | 8.666% | Not Required |  | US Citizen |  |  |  | Yes | $26678.74 |
| 1687511 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685616 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $50288.79 | 11/25/2025 | 7.943% | Self-Employed |  | US Citizen |  |  |  | Yes | $19143.74 |
| 1686010 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9937.56 | 11/19/2025 | 6.765% | Self-Employed |  | US Citizen |  |  |  | Yes | $10141.44 |
| 1681522 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14616.14 | 10/28/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4482.24 |
| 1687251 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1687252 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1687253 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12242.01 | 01/26/2026 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $8030.63 |
| 1685384 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/24/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9899.49 |
| 1687254 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1686016 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/24/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $7272.97 |
| 1686017 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8148.03 | 12/29/2025 | 7.975% | Self-Employed |  | US Citizen |  |  |  | Yes | $9762.19 |
| 1686018 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $1940.00 | 12/11/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $14483.61 |
| 1686021 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10355.16 | 12/04/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $10015.89 |
| 1684911 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1687255 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1686023 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/15/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9030.45 |
| 1686024 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/15/2025 | 7.057% | Self-Employed |  | US Citizen |  |  |  | Yes | $3483.11 |
| 1686025 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $11120.92 | 12/12/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $3839.22 |
| 1686028 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/08/2025 | 0.00% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $6372.60 |
| 1686029 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7330.61 | 12/04/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $4081.32 |
| 1686030 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $5515.43 | 12/15/2025 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $1881.98 |
| 1686032 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $25492.52 | 11/21/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $129233.77 |
| 1687256 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6020.00 | 01/13/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $19109.98 |
| 1686033 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1686034 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12772.51 | 12/19/2025 | 7.75% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11125.94 |
| 1686035 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/12/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686036 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $179916.45 |
| 1687258 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $36181.01 | 01/07/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9525.71 |
| 1687259 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1686041 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/08/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3791.73 |
| 1686042 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $1955.00 | 11/21/2025 | 7.604% | Self-Employed |  | US Citizen |  |  |  | Yes | $16986.40 |
| 1686043 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $198611.84 |
| 1686047 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8285.00 | 01/02/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4210.52 |
| 1686048 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/03/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $4104.92 |
| 1686050 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5544.13 | 12/17/2025 | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $9447.85 |
| 1687261 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1686052 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1686053 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9810.67 | 12/01/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $13955.30 |
| 1686054 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $24688.87 | 12/02/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $13538.93 |
| 1686055 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8495.00 | 12/22/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1686059 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/08/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3738.35 |
| 1687262 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8429.53 | 01/12/2026 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $7241.19 |
| 1687263 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1686060 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/10/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1687065 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13812.31 | 12/05/2025 | 0.00% | Self-Employed | Employed | Permanent Resident Alien |  | Permanent Resident Alien |  | Yes | $12916.67 |
| 1686064 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9169.81 | 12/11/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1687265 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686067 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13992.35 | 12/24/2025 | 7.05% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $16137.29 |
| 1686068 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $26288.47 | 12/22/2025 | 7.278% | Self-Employed |  | US Citizen |  |  |  | Yes | $12917.06 |
| 1686069 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/02/2025 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6235.73 |
| 1687266 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15884.86 | 01/23/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $6195.87 |
| 1686072 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/11/2025 | 7.666% | Self-Employed |  | US Citizen |  |  |  | Yes | $6360.70 |
| 1686074 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/15/2025 | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $27199.22 |
| 1686075 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $16544.85 | 12/10/2025 | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $11583.93 |
| 1686077 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/09/2025 | 7.704% | Self-Employed |  | US Citizen |  |  |  | Yes | $2995.27 |
| 1686078 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7823.75 | 12/04/2025 | 0.00% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | Yes | $6929.22 |
| 1686079 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7928.47 | 12/03/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | Yes | $2908.65 |
| 1686080 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9732.50 | 12/12/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3514.30 |
| 1687267 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686082 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5719.95 | XXXX | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $2616.89 |
| 1686084 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $50062.28 | 12/19/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $22838.03 |
| 1686085 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8131.16 | 12/17/2025 | 7.503% | Self-Employed |  | US Citizen |  |  |  | Yes | $5910.77 |
| 1686086 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $4139.69 | 12/15/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $30094.34 |
| 1686088 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6583.14 | 12/15/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3332.41 |
| 1685241 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/11/2025 | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5068.09 |
| 1686089 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686090 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687268 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $1895.00 | 01/30/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $37083.28 |
| 1686091 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/05/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9628.20 |
| 1686092 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $31645.00 | 12/19/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $14075.55 |
| 1686094 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12855.63 | 12/08/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $11903.12 |
| 1686095 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $3684.92 | 12/31/2025 | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $1923.13 |
| 1687832 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1686096 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686097 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $12755.00 | 12/15/2025 | 0.00% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $10385.36 |
| 1686098 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/12/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $28309.89 |
| 1686101 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5860.00 | 12/11/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $1785.42 |
| 1685046 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/05/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $7878.21 |
| 1686103 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10192.94 | 12/22/2025 | 7.213% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6148.58 |
| 1686104 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $4195.29 | 12/19/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $7358.38 |
| 1686105 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/11/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $15641.49 |
| 1687269 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1686106 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6559.00 | XXXX | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $4038.17 |
| 1686109 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/05/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $4706.99 |
| 1686111 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/12/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $1189.74 |
| 1686112 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/22/2025 | 6.847% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $3781.19 |
| 1686113 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $11308.76 |
| 1686114 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/17/2025 | 0.00% | Retired | Employed | US Citizen |  | US Citizen |  | Yes | $4420.80 |
| 1686115 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6942.41 | 12/22/2025 | 0.00% | Retired | Employed | US Citizen |  | US Citizen |  | Yes | $6081.05 |
| 1686116 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/23/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $23504.22 |
| 1686117 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13207.73 | 12/10/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5688.17 |
| 1686118 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/29/2025 | 0.00% | Not Required | Employed | US Citizen |  | US Citizen |  | Yes | $4460.51 |
| 1686119 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $28044.80 | 12/15/2025 | 6.881% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11601.88 |
| 1686120 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5101.44 | 12/10/2025 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $1388.56 |
| 1686121 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $24964.81 | 12/05/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9903.45 |
| 1686122 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686725 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686125 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21690.60 | 12/20/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $6925.32 |
| 1686126 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7619.11 | 12/12/2025 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $3222.48 |
| 1686128 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11174.18 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $26330.82 |
| 1686130 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $32086.33 |
| 1686132 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $3640.00 | 12/10/2025 | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7555.03 |
| 1686133 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9793.30 | 12/05/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $17566.42 |
| 1686138 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/12/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $18334.43 |
| 1686139 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $12220.00 | 12/29/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $8127.83 |
| 1686140 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $23637.50 | 12/15/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $12153.91 |
| 1686142 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $4657.43 | 12/26/2025 | 7.296% | Employed |  | US Citizen |  |  |  | Yes | $1943.86 |
| 1686145 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10423.01 | 12/31/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4879.06 |
| 1686147 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14333.95 | 12/16/2025 | 7.331% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $8630.56 |
| 1686149 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9209.14 | XXXX | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5982.17 |
| 1687274 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8195.00 | 01/13/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5325.69 |
| 1686151 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7280.88 | 12/19/2025 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $3376.49 |
| 1686152 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $4903.82 | 01/07/2026 | 8.576% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $4739.50 |
| 1687275 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687276 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687277 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687278 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687280 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686154 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $1635.00 | 01/05/2026 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $4430.90 |
| 1686155 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/23/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4838.37 |
| 1686157 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $7196.79 |
| 1686160 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/19/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5046.64 |
| 1687281 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1687282 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1686721 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7176.00 | 01/09/2026 | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $5129.54 |
| 1686163 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8795.00 | 12/24/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $8249.00 |
| 1687285 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8323.13 | 01/07/2026 | 7.594% | Self-Employed | Self-Employed | Permanent Resident Alien |  | US Citizen |  | Yes | $3953.65 |
| 1687286 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1687287 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15690.25 | 01/21/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9659.96 |
| 1687289 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11601.55 | 01/13/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4618.90 |
| 1686167 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $22043.08 | XXXX | 7.541% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $9579.66 |
| 1686168 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/16/2025 | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1686169 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $42461.12 | 12/23/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $66853.76 |
| 1686173 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $4426.25 | 01/02/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3571.83 |
| 1686174 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $17614.95 | 12/15/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $41471.33 |
| 1686175 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $29245.00 | 12/22/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $42458.47 |
| 1686176 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No |  | 12/24/2025 | 6.61% | Self-Employed |  | US Citizen |  |  |  | Yes | $4481.22 |
| 1687292 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13397.88 | 01/23/2026 | 7.118% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $8159.42 |
| 1686178 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6452.53 | 12/19/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $3124.45 |
| 1686179 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9093.36 | 12/22/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $11737.90 |
| 1686180 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/12/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $10126.93 |
| 1687295 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $25997.69 | 01/07/2026 | 7.294% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9195.35 |
| 1687296 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1686186 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8296.32 | 01/07/2026 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $6739.96 |
| 1687297 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687298 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687299 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1686189 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7427.02 | 12/24/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $2495.70 |
| 1687300 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687301 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $18388.56 | 01/19/2026 | 6.866% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $13681.26 |
| 1686195 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $18635.00 | 12/22/2025 | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $10909.71 |
| 1687302 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/09/2026 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $2745.47 |
| 1686196 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686197 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10884.30 | 12/30/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $5250.46 |
| 1686722 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687304 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1687305 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7420.00 | 01/14/2026 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $3841.84 |
| 1686199 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686201 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687307 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $24590.82 | 01/21/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $43294.90 |
| 1686203 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 01/02/2026 | 6.879% | Retired | Employed | US Citizen |  | US Citizen |  | Yes | $5890.49 |
| 1687308 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6618.95 | 01/22/2026 | 7.343% | Self-Employed |  | US Citizen |  |  |  | Yes | $2399.93 |
| 1686204 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/22/2025 | 0.00% | Employed |  | Permanent Resident Alien |  |  |  | Yes | $15024.74 |
| 1686208 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 12/22/2025 | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $119751.60 |
| 1687310 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1686210 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $26890.33 | 12/22/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $20614.68 |
| 1687311 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/12/2026 | 7.056% | Self-Employed |  | US Citizen |  |  |  | Yes | $3399.87 |
| 1686211 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $3890.00 | 12/19/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $24776.05 |
| 1687312 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $11396.08 | 01/08/2025 | 7.161% | Retired |  | US Citizen |  |  |  | Yes | $6177.48 |
| 1686213 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6285.82 | 12/23/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4167.77 |
| 1687313 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686214 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6395.00 | 12/19/2025 | 7.915% | Self-Employed |  | US Citizen |  |  |  | Yes | $4200.12 |
| 1687314 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/30/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $18331.61 |
| 1687315 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 01/09/2026 | 7.174% | Not Required |  | US Citizen |  |  |  | Yes | $10957.98 |
| 1687316 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $2005.60 | 01/09/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $48286.12 |
| 1687317 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $30283.52 | 01/12/2026 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $19892.16 |
| 1687319 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1686216 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $26690.71 |
| 1686217 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 01/05/2026 | 0.00% | Not Required |  | US Citizen |  |  |  | Yes | $20208.60 |
| 1686219 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $12963.91 | 12/29/2025 | 7.381% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $12208.33 |
| 1687320 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8568.45 | 01/09/2026 | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1687321 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687322 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8775.00 | 01/14/2026 | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $14578.66 |
| 1687323 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/06/2026 | 7.125% | Self-Employed |  | US Citizen |  |  |  | Yes | $22444.11 |
| 1686221 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13570.00 | 12/20/2025 | 7.68% | Self-Employed | Employed | Permanent Resident Alien |  | Permanent Resident Alien |  | Yes | $10637.42 |
| 1687325 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5817.84 | 01/28/2026 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $2933.67 |
| 1686224 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $21390.60 | 01/05/2026 | 0.00% | Not Required | Employed | US Citizen |  | US Citizen |  | Yes | $14751.08 |
| 1686225 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10522.50 | 12/31/2025 | 7.488% | Self-Employed |  | US Citizen |  |  |  | Yes | $12404.30 |
| 1686226 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $27963.76 | 12/30/2025 | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $13065.41 |
| 1687328 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $19895.00 | 01/05/2026 | 7.149% | Self-Employed |  | US Citizen |  |  |  | Yes | $7923.39 |
| 1686229 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12512.51 | 01/05/2026 | 7.356% | Employed | Not Required | Permanent Resident Alien |  | Permanent Resident Alien |  | Yes | $3302.27 |
| 1686230 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $13835.00 | 01/02/2026 | 6.953% | Employed |  | US Citizen |  |  |  | Yes | $5947.18 |
| 1687329 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1686232 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8074.70 | 12/26/2025 | 7.136% | Self-Employed |  | US Citizen |  |  |  | Yes | $6438.76 |
| 1686234 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $17195.00 | 12/24/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $5795.22 |
| 1686235 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1686238 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/31/2025 | 7.183% | Self-Employed |  | US Citizen |  |  |  | Yes | $18894.80 |
| 1687334 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1686301 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $29001.00 | 01/08/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4372.79 |
| 1687336 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1686239 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/29/2025 | 7.783% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $20242.82 |
| 1686240 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Permanent Resident Alien |  | Permanent Resident Alien |  | No |  |
| 1687337 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/22/2026 | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $2691.07 |
| 1686241 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11899.41 | 12/31/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $8543.42 |
| 1687340 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10143.24 | 01/13/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $10642.42 |
| 1687341 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12540.78 | 01/12/2026 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7850.36 |
| 1687663 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10309.10 | 01/16/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $7397.44 |
| 1687342 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired | Employed | US Citizen |  | US Citizen |  | Yes | $11149.30 |
| 1687343 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $26770.00 | 01/09/2026 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11218.72 |
| 1686243 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1687345 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/12/2026 | 7.513% | Self-Employed |  | US Citizen |  |  |  | Yes | $4566.10 |
| 1687346 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687347 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $20079.86 | 01/22/2026 | 8.214% | Self-Employed |  | US Citizen |  |  |  | Yes | $17519.63 |
| 1687349 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $1945.00 | 01/08/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $19437.90 |
| 1687350 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $23145.00 | 01/15/2026 | 7.053% | Self-Employed |  | US Citizen |  |  |  | Yes | $24993.09 |
| 1687351 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12982.20 | 01/16/2026 | 7.499% | Self-Employed |  | US Citizen |  |  |  | Yes | $5498.74 |
| 1687352 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 01/12/2025 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $3714.60 |
| 1687353 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8992.20 | 01/16/2026 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $7268.57 |
| 1687354 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1686247 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $25482.15 |
| 1687356 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1686248 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687357 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1687610 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5773.68 | 01/30/2026 | 7.48% | Self-Employed |  | US Citizen |  |  |  | Yes | $1971.28 |
| 1687359 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1687360 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $14512.00 | 01/15/2026 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11554.66 |
| 1687361 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1687363 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6659.35 | 01/14/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4069.59 |
| 1686251 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $16718.69 | 01/05/2026 | 7.33% | Not Required |  | US Citizen |  |  |  | Yes | $84514.68 |
| 1687366 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $102009.10 |
| 1686252 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $186842.44 |
| 1687368 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687370 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7158.95 | 01/06/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4974.90 |
| 1686253 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/02/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $7776.67 |
| 1687373 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1687375 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21723.16 | 01/30/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $14591.49 |
| 1687376 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1687377 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/15/2026 | 0.00% | Employed | Self-Employed | Permanent Resident Alien |  | Non Permanent Resident Alien | F-1 Visa | Yes | $5513.56 |
| 1687378 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $3070.00 | 01/09/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $18731.01 |
| 1687379 | XXXX | XXXX | Higher Priced QM (APOR) | Not Provided | No | XXXX | No | No | $6047.17 | 01/15/2026 | 7.993% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $4441.32 |
| 1687381 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687382 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $7416.65 |
| 1686254 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $35723.50 |
| 1687384 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $17157.50 | 01/16/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $21548.58 |
| 1687385 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686255 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687387 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/12/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $18263.41 |
| 1687388 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/23/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $1711.19 |
| 1687389 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1687568 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12850.48 | 01/30/2026 | 7.755% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $8531.57 |
| 1687393 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687395 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10595.00 | 01/15/2026 | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $7370.22 |
| 1687397 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/16/2026 | 7.847% | Self-Employed |  | US Citizen |  |  |  | Yes | $35015.27 |
| 1687400 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11759.91 | 01/28/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9076.29 |
| 1687401 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687403 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11502.77 | 01/26/2026 | 8.421% | Self-Employed |  | US Citizen |  |  |  | Yes | $7639.12 |
| 1687405 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13908.54 | 01/20/2026 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $7248.00 |
| 1687406 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687408 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1687410 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/23/2026 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $6778.87 |
| 1687413 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/22/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $17276.39 |
| 1687416 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 01/29/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3643.30 |
| 1687417 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $22537.87 | 01/26/2026 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $9504.20 |
| 1687484 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687422 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15895.61 | 01/30/2026 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $15586.01 |
| 1687425 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16277.00 | 01/29/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $14489.26 |
| 1687426 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $1644.01 | 01/23/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $12416.80 |
| 1687427 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8911.05 | 01/29/2026 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6606.32 |
| 1687428 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687429 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $31515.00 | 01/29/2026 | 7.702% | Self-Employed |  | US Citizen |  |  |  | Yes | $60163.22 |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 6**

![](evolve-logo.jpg)

---

| |
|:---|
| **Additional Data** |
| **Run Date - 02/23/2026 6:24:02 AM** |

---

---

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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE Eligible** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **PITIA** | **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 Borrower 4 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Co Borrower 4 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Residual Income** | **Num Units** | **Flood Cert Number** | **FEMA Flood Zone** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **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** | **Forth Wage Earner Updated FICO Equifax** | **Forth Wage Earner Updated FICO Experian** | **Forth 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 4 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 4 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Co Borrower 4 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** | **Loan Program Date** | **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 Wavier (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **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** | **Is Shared Appreciation Mortgage** | **Is Equity Shared Loan** | **Title Interest Type** | **Title Held** | **Loan Doc Type** | **PITIA on Other Financed Properties** | **Credit Score Model Name** | **Maturity Date** | **Qualification Method Other Description** | **Index Type Other Description** | **Most Recent 24 Month Pay History** | **Line Utilization** | **Payment History As Of Date** | **Is Line Still Open** | **Property Value Trends** | **Were C/O proceeds included in reserves** | **Borrower Doc Type** | **Co Borrower 2 Doc Type** | **Co Borrower 3 Doc Type** | **Co Borrower 4 Doc Type** | **Reserves in Months** | **Months WVOE** | **ITIN Indicator** | **Condo Warrantable** | **Default Rate Clause** | **Borrower 3 FICO** | **Borrower 4 FICO** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Buydown** | **Buydown Type** | **Buydown Term** |
| 1685953 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | 20250722 | 0.00% | $2785.05 | $3023.76 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3776.22 | 1 |  | X | $1266.48 | $1598.04 |  |  |  |  |  | 44.752% |  |  | 20250609 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] Bank Statements - Personal - 07/2024 - 06/2025;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 07/2025;<br> [Borrower - Primary Income - Sole Proprietor] Other - 07/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] Paystubs - 03/2025 - 06/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2023;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 07/2025;<br> [Borrower - Primary Income - Sole Proprietor] Third Party Verification - 07/2025;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 07/2025;<br> [Borrower - Primary Income - Wages] VVOE - 07/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] WVOE - 07/2025 - 22 months; | [Borrower] Transcripts - 2024;<br> [Borrower] 4506 or 4506T - 2022;<br> [Borrower] 4506 or 4506T - 2023;<br> [Borrower] 4506 or 4506T - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20250121 |  | $19667.80 |  |  | -140 | 1.3 |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No | 0 |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685955 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | 20250806 | 0.00% | $5992.24 | $6603.70 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $40868.23 | 1 |  | X | $5882.52 | $1455.00 |  |  |  |  |  | 14.131% |  |  | 20250718 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 50% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/24 to 6/25 - 12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20250121 |  | $11695.00 |  |  | 0 | 1 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | 0 |  | No | Fee Simple | Trust | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687455 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1709.42 | $2027.94 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $2393.76 | $1428.48 |  |  |  |  |  |  |  |  | 20250805 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20250804 |  |  |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.41 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687456 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1496.67 | $1818.03 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | Yes | No |  |  |  | XXX |  | $0.00 | 1 |  | X | $2229.00 | $1627.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20250804 |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.38 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  |  | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 27 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687457 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1446.89 | $2191.68 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$424.00 | 1 |  | X | $6677.76 | $2259.72 |  |  |  |  |  |  |  |  | 20250820 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20250804 |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 86 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685962 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | 20250829 | 0.00% | $5760.29 | $7285.59 | 7.13% | No | No | Not Required | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $11379.07 | 1 |  | X | $16043.88 | $2235.72 | XXXX | TX | $24.00 |  | Annually | 43.795% |  |  | 20250827 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  | 100% | Borrower Prepared | [Co Borrower 1 - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Tax Returns – Business - 2024;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 08/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Business License/Validation - 08/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Secretary of State (SOS) - 08/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] P&L Statement - 09/2025 8 months; | [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20250804 |  | $28315.00 |  |  | 0 | 4.7 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 1 | 0 | 2 | 0 | 0 | 12 | No | 0 |  | No | Fee Simple | Individual(s) | ALTDOC |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687458 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1498.26 | $2215.54 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $7756.32 | $851.04 | XXXX |  |  |  |  |  |  |  | 20251022 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20250804 |  |  |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.31 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 45 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685992 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5233.40 | $9440.40 | 20251218 | 0.00% | $10521.67 | $11779.77 | 7.38% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $24194.00 | 1 |  | X | $10969.08 | $2728.08 | XXXX | NC | $1400.04 |  | Annually | 36.613% |  | 36.613% | 20251205 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12/2024, 10/2025 - 11/2025- 12/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025 - 25 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2024, 10/2025-11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 12/8/2025 - 31 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $5233.40 |  |  | 0 |  |  | No |  | N/A | 7.875 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full | 21181 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 145 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1429693 | XXXX | XXXX | QM Rebuttable Presumption | XXXX | Yes | No | $9236.36 | $15461.61 | 20220709 | 7.655% | $2769.64 | $4297.34 | 7.25% | No | No | Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $6134.39 | 1 |  | X | $8266.32 | $8966.04 | XXXX | CA | $91.67 |  | Monthly | 41.42% | 41.42 |  | 20220610 | 578 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 5/2022;<br> [Borrower - Primary Income - Wages] WVOE - 6/2022;<br> [Borrower - Primary Income - Wages] VVOE - 7/2022;<br> [Borrower - Primary Income - Wages] W-2 - 2021;<br> [Borrower - Primary Income - Wages] W-2 - 2020; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20220601 |  | $9236.36 |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  |  |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687966 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7841.37 | $9583.62 | 20241010 | 8.14% | $1919.23 | $2361.60 | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2695.75 | 1 |  | X | $3595.44 | $1358.04 | XXXX | NC | $354.96 |  | Annually | 46.696% |  | 46.696% | 20240923 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 9/2023-8/2024;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 9/12/2024;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 8/2/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/9/2024;<br> [Borrower - Primary Income - Bank Statements] Other - 8/28/2023;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/23/2024;<br> [Borrower - Non-Primary Income - Child Support] Divorce Decree - 05/16/2022;<br> [Borrower - Non-Primary Income - Child Support] Bank Statements - Personal - 8/2023-8/2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20240901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1633739 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No |  |  | 20241231 | 7.892% | $3941.84 | $4966.02 | 7.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8503.80 | 1 |  | X | $8354.40 | $3870.72 | XXXX | FL | $5.42 |  | Monthly | 42.197% | 42.197 |  | 20241116 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2024-11/2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2022;<br> [Borrower - Primary Income - Wages] Third Party Verification - 6/2023-12/2024 18 months;<br> [Borrower - Primary Income - Wages] VVOE - 12/2024;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Personal - 2022;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 7-2014; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2022; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20241015 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 3 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  |  |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685993 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $26382.60 | $27157.57 | 20251223 | 7.758% | $7727.15 | $10249.63 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $17514.01 | 1 |  | X | $23572.56 | $2212.80 | XXXX | FL | $373.70 | 20260201 | Monthly | 38.588% |  | 38.588% | 20251021 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 05/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  |  |  |  | 75000 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2522 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681471 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $6842.32 | $7384.51 | 9.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 |  | X | $3228.00 | $3278.28 |  |  |  |  |  |  |  |  | 20250714 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 9.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.39 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681272 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2605.57 | $3173.44 | 8.63% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $4703.16 | $2111.28 |  |  |  |  |  |  |  |  | 20251017 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.8 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 124 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1683589 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7152.22 | $8744.92 | 20251106 | 7.586% | $1609.22 | $1926.01 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4190.64 | 1 |  | X | $2436.00 | $1365.48 |  |  |  |  |  | 49.282% |  | 49.282% | 20251002 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 45% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024 - 08/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251101 |  | $7152.22 |  |  | 292 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 52 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685995 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $7347.01 | $10448.10 | 20251203 | 7.396% | $3137.84 | $4061.79 | 7.13% | No | No | Employed | Retired | Employed |  |  | 2025-09-08T00:00:00 |  | No | No | No |  |  |  |  | $6308.15 | 1 |  | X | $4045.92 | $7041.48 |  |  |  |  |  | 49.401% | 49.401 |  | 20251106 | 797 | 690 | 654 | 648 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  | Stated, level 3 Verified |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 04/2025-11/2025 7 Months;<br> [Borrower - Primary Income - Wages] WVOE - 08/2025-4 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 09/2025;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Retirement] 1099 - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 07/2025-08/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Other - 09/2025;<br> [Co Borrower 2 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 2 - Primary Income - Wages] Employer Letter - 08/2025;<br> [Co Borrower 2 - Primary Income - Wages] W-2 - 2023; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE | 654 |  |  |  |  |  |  |
| 1684842 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11498.84 | $13063.34 | 20251114 | 0.00% | $2293.42 | $2939.56 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5129.28 | 2 |  | X | $4663.68 | $3090.00 |  |  |  |  |  | 44.416% |  | 44.416% | 20251027 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024 - 08/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Other - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251101 |  | $11498.84 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 51 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1680948 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $41349.31 | $49825.55 | 20251014 | 0.00% | $14495.59 | $16925.57 | 7.88% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $24334.43 | 1 |  | X | $19070.76 | $9539.04 | XXXX | WA | $549.96 |  | Annually | 45.194% | 45.194 |  | 20250924 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 8/2025 - 9/2025;<br> [Borrower - Primary Income - Wages] Work Number - 9/2025 - 32.5 months;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 8/2025 - 9/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 9/2025 - 33 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2023;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251001 |  | $41349.31 |  |  | -179.4 |  |  | No |  | N/A | 7.875 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686000 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $20057.03 | $24945.88 | 20251211 | 0.00% | $6028.27 | $6901.27 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $19291.74 | 1 |  | X | $6702.00 | $3774.00 |  |  |  |  |  | 42.716% | 42.716 |  | 20250924 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 12/2025; | [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 2 | 0 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 65 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686004 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10444.06 | $11739.80 | 20251222 | 0.00% | $2120.72 | $2927.74 | 7.25% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $23009.85 | 1 |  | X | $2414.16 | $7270.08 |  |  |  |  |  | 28.176% |  | 28.176% | 20251205 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025 - 60 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 4/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 6011 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686007 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $37139.66 | $43475.99 | 20251212 | 0.00% | $9747.05 | $10990.18 | 7.50% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $22540.94 | 1 |  | X | $9483.00 | $5434.56 |  |  |  |  |  | 45.14% |  | 45.14% | 20251203 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024-11/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | -10373.7 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681002 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11091.00 | $17369.39 | 20251024 | 8.666% | $9150.07 | $10801.08 | 8.50% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $26678.74 | 1 |  | X | $17339.04 | $2473.08 |  |  |  |  |  | 35.443% |  | 35.443% | 20250930 | 623 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Investment Statements - 7/2025-8/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 7/2025 - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251001 |  | $11091.00 |  |  | 0 |  |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion | 12254 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 392 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687511 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1653.93 | $2987.17 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $14769.72 | $1229.16 |  |  |  |  |  |  |  |  | 20251006 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251101 |  |  |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.96 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 79 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685616 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $50288.79 | $53379.08 | 20251125 | 7.943% | $10528.94 | $16282.74 | 7.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $19143.74 | 1 |  | X | $56175.60 | $11070.00 |  |  |  |  |  | 46.038% |  | 46.038% | 20251007 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2023-8/2025-24 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251101 |  | $50288.79 |  |  | 32175 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Increasing | No |  |  |  |  | 39 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686010 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $9937.56 | $11031.82 | 20251119 | 6.765% | $2649.31 | $3825.65 | 6.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10141.44 | 1 |  | X | $11629.32 | $2486.76 |  |  |  |  |  | 32.404% | 32.404 |  | 20251010 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Retirement] Investment Statements - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251101 |  | $9937.56 |  |  | 0 |  |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 105 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1681522 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14616.14 | $15502.03 | 20251028 | 0.00% | $3277.66 | $4008.97 | 8.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4482.24 | 1 |  | X | $4869.24 | $3282.48 | XXXX | FL | $52.00 |  | Monthly | 49.084% |  | 49.084% | 20251010 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/24/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 11/12/2004;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/9/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/8/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 3/19/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10/27/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251001 |  | $14616.14 |  |  | 0 |  |  | No |  | N/A | 8.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Declining |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687251 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1474.59 | $1819.37 | 7.38% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2417.28 | $1720.08 |  |  |  |  |  |  |  |  | 20260107 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.25 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687252 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3387.38 | $4974.30 | 7.00% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 7 |  | X | $13149.96 | $5893.08 |  |  |  |  |  |  |  |  | 20260106 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.86 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 95 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687253 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12242.01 | $13682.68 | 20260126 | 0.00% | $3056.29 | $3393.12 | 7.13% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8030.63 | 1 |  | X | $2748.96 | $585.00 | XXXX | NV | $59.00 |  | Monthly | 31.449% |  | 31.449% | 20260106 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 10% |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 04/2024 to 12/2025 21 months;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2024;<br> [Borrower - Primary Income - Bank Statements] Paystubs - 11/2025 to 1/2026;<br> [Borrower - Primary Income - Bank Statements] Work Number - 1/2026 - 25 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $12242.01 |  |  | -1134.11 |  |  | No |  | N/A | 7.125 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685384 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17726.81 | $19731.55 | 20251124 | 0.00% | $5260.80 | $6379.22 | 8.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9899.49 | 1 |  | X | $9891.96 | $3529.08 |  |  |  |  |  | 48.337% |  | 48.337% | 20251010 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024-11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687254 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2732.23 | $3437.73 | 7.38% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 |  | C | $6619.20 | $1846.80 |  |  |  |  |  |  |  |  | 20251013 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 33 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686016 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12775.97 | $13641.35 | 20251224 | 0.00% | $3702.73 | $4210.03 | 6.99% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7272.97 | 1 |  | X | $3811.80 | $2275.80 |  |  |  |  |  | 47.695% |  | 47.695% | 20251117 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 45% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 20994.81 |  |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 40 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686017 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8148.03 | $9268.92 | 20251229 | 7.975% | $1210.43 | $2382.65 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9762.19 | 1 |  | X | $7764.60 | $6302.04 |  |  |  |  |  | 31.507% |  | 31.507% | 20251119 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 40% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/1/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/16/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - XXXX;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2024-12/2025-24 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $8148.03 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 47 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686018 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1940.00 | $4427.24 | 20251211 | 0.00% | $4219.78 | $5522.41 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $14483.61 | 1 |  | X | $14179.56 | $1452.00 |  |  |  |  |  | 27.967% |  | 27.967% | 20251015 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $1940.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 166 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686021 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10355.16 | $13818.30 | 20251204 | 0.00% | $2921.55 | $3368.77 | 8.38% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $10015.89 | 1 |  | X | $2631.60 | $2735.04 |  |  |  |  |  | 48.67% |  | 48.67% | 20250926 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-9/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 9/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $10355.16 |  |  | 0 | 1.5 |  | No |  | N/A | 8.375 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1684911 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1143.48 | $1705.51 | 6.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $4094.76 | $2365.56 | XXXX | GA | $284.04 | 20260101 | Annually |  |  |  | 20251022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.44 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687255 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3969.42 | $5437.82 | 6.75% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 8 |  | X | $11414.76 | $6206.04 |  |  |  |  |  |  |  |  | 20251104 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.31 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686023 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $19274.48 | $22140.48 | 20251215 | 0.00% | $4486.26 | $5170.05 | 7.25% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $9030.45 | 1 |  | X | $5043.60 | $2201.88 | XXXX | CO | $80.00 |  | Monthly | 42.029% |  | 42.029% | 20250929 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025-11/2025;<br> [Borrower - Primary Income - Wages] Work Number - 9/2025 - 1 month;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 9/2025-10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 9/2025 - 11 months;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 3521 |  |  | No |  | N/A | 7.25 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686024 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6910.72 | $8252.55 | 20251215 | 7.057% | $1304.43 | $2335.70 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3483.11 | 1 |  | X | $11249.16 | $1126.08 | XXXX | NJ | $0.00 |  | Monthly | 42.982% |  | 42.982% | 20250923 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/17/2023;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/21/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/1/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 2560.22 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 46 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686025 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $11120.92 | $13123.53 | 20251212 | 0.00% | $2755.44 | $3300.79 | 6.75% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $3839.22 | 1 |  | X | $3367.68 | $3176.52 |  |  |  |  |  | 46.914% | 46.914 |  | 20251126 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  | 100% |  |  | [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 9/2025 - 10/2025 2 months;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Personal - 10/2025 - 11/2025 2 months;<br> [Borrower - Non-Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025 - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $11120.92 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 89 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686028 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $7335.63 | $8926.22 | 20251208 | 0.00% | $1997.00 | $2968.38 | 7.25% | No | Yes | Employed | Retired | Self-Employed |  |  | 2023-08-12T00:00:00 |  | No | No | No |  |  |  |  | $6372.60 | 1 |  | X | $9625.08 | $2031.48 |  |  |  |  |  | 45.337% | 45.337 |  | 20251016 | 786 | 772 | 786 | 798 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Level 4 Verified |  |  | Stated, level 3 Verified |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Disability] Award Letter / Continuance Letter - 10/2025;<br> [Borrower - Primary Income - Disability] Paystubs - 10/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] 1099 - 2024;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Bank Statements - Personal - 10/2025-11/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Award Letter / Continuance Letter - 11/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Paystubs - 11/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 9/2025-10/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Tax Returns – Personal - 2024;<br> [Co Borrower 2 - Non-Primary Income - Social Security] 1099 - 2024;<br> [Co Borrower 2 - Primary Income - Sole Proprietor] Tax Returns – Personal - 2024;<br> [Co Borrower 2 - Primary Income - Sole Proprietor] 1099 - 2024;<br> [Co Borrower 2 - Primary Income - Sole Proprietor] VVOE - 12/2025; | [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] 4506 or 4506T - 2024;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 2] 1084 or income worksheet - 2024;<br> [Co Borrower 2] 4506 or 4506T - 2024;<br> [Co Borrower 2] Transcripts - 2024;<br> [Co Borrower 2] 1040 - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 16 |  | No |  | FALSE | 786 |  |  |  |  |  |  |
| 1686029 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7330.61 | $10440.29 | 20251204 | 0.00% | $2777.30 | $3421.01 | 8.38% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $4081.32 | 1 |  | X | $4899.60 | $2824.92 |  |  |  |  |  | 47.299% |  | 47.299% | 20250930 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2023 - 10/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 9/2025 - 10/2025; | [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $7330.61 |  |  | 0 |  |  | No |  | N/A | 8.375 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686030 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $5515.43 | $6620.18 | 20251215 | 0.00% | $1296.68 | $1711.77 | 6.75% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $1881.98 | 1 |  | X | $3273.00 | $1708.08 |  |  |  |  |  | 47.632% | 47.632 |  | 20251008 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 01/2025;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $5515.43 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686032 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $25492.52 | $28252.96 | 20251121 | 0.00% | $10645.53 | $13269.28 | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $129233.77 | 1 |  | X | $22650.84 | $8834.16 |  |  |  |  |  | 18.071% |  | 18.071% | 20251028 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/9/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/30/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 8/2/2002;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/30/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251101 |  | $25492.52 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687256 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6020.00 | $8928.23 | 20260113 | 0.00% | $6276.55 | $9427.03 | 6.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $19109.98 | 1 |  | X | $22769.76 | $2220.00 | XXXX | CA | $1068.00 |  | Monthly | 35.991% |  | 35.991% | 20251023 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025 - 120 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2014; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $6020.00 |  |  | 0 |  |  | No |  | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 9427 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686033 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1564.01 | $2077.89 | 6.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 |  | X | $2774.88 | $3391.68 |  |  |  |  |  |  |  |  | 20251022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.17 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 106 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686034 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12772.51 | $16064.11 | 20251219 | 7.75% | $3389.83 | $4334.33 | 7.38% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $11125.94 | 1 |  | X | $9483.00 | $1851.00 |  |  |  |  |  | 40.615% |  | 40.615% | 20251030 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 80% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2023-11/2025 25 Months;<br> [Borrower - Primary Income - Bank Statements] Other - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 11/2023-11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Other - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $12772.51 |  |  | 2000 |  |  | No |  | N/A | 3.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Trust | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686035 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14423.07 | $18361.19 | 20251212 | 0.00% | $2824.58 | $4503.83 | 6.75% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $6904.58 | 1 |  | X | $13963.80 | $6187.20 |  |  |  |  |  | 42.068% |  | 42.068% | 20251006 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Investment Statements - 10/2025;<br> [Borrower - Primary Income - Retirement] Other - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 163 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686036 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4521.73 | $10118.73 | 7.13% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $179916.45 | 1 |  | D | $27307.92 | $1456.08 | XXXX | HI | $3200.00 |  | Monthly | 4.086% |  |  | 20251028 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 51% |  | Borrower Prepared | [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] K-1 - 2023;<br> [Borrower - Primary Income - S-Corp] K-1 - 2024;<br> [Borrower - Primary Income - S-Corp] W-2 - 2023;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2023;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - S-Corp] Paystubs - 10/2025;<br> [Borrower - Primary Income - S-Corp] Business License/Validation - 08/2025;<br> [Borrower - Primary Income - S-Corp] Work Number - 12/2025;<br> [Borrower - Primary Income - S-Corp] 4506 or 4506T - 12/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 12/2025; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Borrower] 4506 or 4506T - 12/2025; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 0 | 2 | 2 | 1 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Limited Liability Corp | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 53 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687258 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $36181.01 | $41612.94 | 20260107 | 0.00% | $7233.65 | $8555.55 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9525.71 | 1 |  | AE | $976.20 | $5886.60 | XXXX | FL | $9000.00 |  | Annually | 49.947% |  | 49.947% | 20251218 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2020;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 12 months;<br> [Borrower - Primary Income - Retirement] Pension Letter - 12/2025;<br> [Borrower - Primary Income - Retirement] SS Award Letter - 12/2025;<br> [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $36181.01 |  |  | -3150 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 7804 | Equifax Beacon 5 | XXXX | Fully Amortized Payment |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 0 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687259 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2023.31 | $2645.08 | 7.00% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 8 |  | X | $3768.00 | $3693.24 |  |  |  |  |  |  |  |  | 20251027 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.16 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686041 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7068.85 | $8464.25 | 20251208 | 0.00% | $1584.42 | $1847.88 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3791.73 | 1 |  | X | $1498.44 | $1663.08 |  |  |  |  |  | 43.038% |  | 43.038% | 20251029 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 45% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 9/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Personal - 10/2024 - 9/2025 12 months;<br> [Borrower - Non-Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Paystubs - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | -3558.2 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple |  | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 40 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686042 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1955.00 | $3007.67 | 20251121 | 7.604% | $2377.33 | $3153.92 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $16986.40 | 1 |  | X | $5277.00 | $4042.08 |  |  |  |  |  | 15.998% |  | 15.998% | 20251009 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 - 12 Months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251101 |  | $1955.00 |  |  | -6800 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686043 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $9911.19 | $10336.94 | 7.38% | Yes | Yes | Self-Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $198611.84 | 1 |  | X | $2085.00 | $3024.00 |  |  |  |  |  | 1.894% |  |  | 20251008 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 - 12 Months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2022; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 174 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686047 | XXXX | XXXX | Non-QM | XXXX | Yes | No |  | $10994.02 | 20260102 | 0.00% | $2233.99 | $2520.38 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4210.52 | 1 |  | X | $2627.64 | $809.04 |  |  |  |  |  | 43.154% |  | 43.154% | 20251224 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024-10/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/29/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/26/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/29/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 7/26/2023; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $8285.00 |  |  | 8285 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686048 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $8795.00 | $11336.90 | 20251203 | 0.00% | $2364.94 | $2795.23 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4104.92 | 1 |  | X | $2424.48 | $1419.00 | XXXX | NV | $110.00 |  | Monthly | 41.957% | 41.957 |  | 20251106 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 - 34 MONTHS;<br> [Borrower - Primary Income - Wages] Paystubs - 8/2025 - 11/2025; | [Borrower] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full | 2795 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686050 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5544.13 | $6964.36 | 20251217 | 0.00% | $855.75 | $1465.00 | 7.38% | Yes | Yes | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $9447.85 | 1 |  | X | $1271.04 | $279.96 | XXXX | NC | $5760.00 |  | Annually | 44.988% |  | 44.988% | 20251029 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 10/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 08/2025-09/2025;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 06/2023-09/2023;<br> [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 10/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $5544.13 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 375 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687261 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4158.24 | $5028.36 | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | -$3415.00 | 4 |  | X | $6072.48 | $4368.96 |  |  |  |  |  |  |  |  | 20260108 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 8443 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686052 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2270.09 | $3102.71 | 6.75% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 |  | X | $5930.40 | $4061.04 |  |  |  |  |  |  |  |  | 20251010 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.73 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 972 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686053 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $9810.67 | $15146.50 | 20251201 | 0.00% | $2438.30 | $4187.55 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $13955.30 | 1 |  | X | $14250.00 | $4497.00 | XXXX | CA | $187.00 | 20260101 | Monthly | 25.757% | 25.757 |  | 20251106 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] WVOE - 11/2025-55 mo;<br> [Borrower - Primary Income - Wages] Paystubs - 09/2025-10/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251101 |  | $9810.67 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Trust | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 297 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686054 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $24688.87 | $31956.67 | 20251202 | 0.00% | $9475.97 | $12724.92 | 6.88% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $13538.93 | 1 |  | AE | $28858.32 | $10129.08 |  |  |  |  |  | 49.052% | 49.052 |  | 20251120 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 - 143 months;<br> [Borrower - Primary Income - Wages] VVOE - 11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 11/2025 - 143 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Personal - 9/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Personal - 9/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $24688.87 |  |  | 0 |  |  | No |  | N/A | 6.875 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 0 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686055 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8495.00 | $8970.38 | 20251222 | 0.00% | $3368.59 | $5654.30 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8192.68 | 1 |  | X | $10141.56 | $17286.96 |  |  |  |  |  | 43.959% |  | 43.959% | 20251029 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 11/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 06/2018;<br> [Borrower - Non-Primary Income - Bank Statements] Other - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $8495.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 83 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686059 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8686.18 | $10082.45 | 20251208 | 0.00% | $1933.10 | $2844.15 | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3738.35 | 1 |  | X | $5625.00 | $5307.60 |  |  |  |  |  | 48.147% |  | 48.147% | 20251106 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687262 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8429.53 | $10959.12 | 20260112 | 0.00% | $3322.02 | $3764.27 | 7.38% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7241.19 | 1 |  | X | $2913.96 | $533.04 | XXXX | NV | $155.00 |  | Monthly | 34.614% |  | 34.614% | 20251106 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 5% |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 6/2024 - 12/2025;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 - 34 MONTHS;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 9/2025 - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $8429.53 |  |  | 0 |  |  | No |  | N/A | 7.375 | 2 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3764 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687263 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $6480.67 | $9602.30 | 7.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 5 |  | X | $26180.28 | $11279.28 |  |  |  |  |  |  |  |  | 20251110 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | -2375 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.55 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 85 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686060 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15648.13 | $19136.85 | 20251210 | 0.00% | $4273.95 | $4808.78 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $15719.82 | 1 |  | X | $4856.88 | $1561.08 |  |  |  |  |  | 23.678% |  | 23.678% | 20251103 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024-11/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687065 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13812.31 | $22122.38 | 20251205 | 0.00% | $7776.20 | $9330.77 | 6.75% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $12916.67 | 1 |  | X | $14340.96 | $4313.88 |  |  |  |  |  | 46.999% |  | 46.999% | 20251023 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Other - 3/2021;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 9/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025 - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 11/2025 - 34 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $13812.31 |  |  | -10000 |  |  | No |  | N/A | 6.75 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686064 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9169.81 | $13606.29 | 20251211 | 0.00% | $5032.00 | $5427.34 | 7.13% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $14189.06 | 1 |  | X | $2192.04 | $2552.04 | XXXX | HI | $0.00 |  | Monthly | 27.796% |  | 27.796% | 20251104 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024 - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 02/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 02/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $9169.81 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687265 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1660.84 | $2089.76 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $3868.08 | $1278.96 |  |  |  |  |  |  |  |  | 20251110 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.24 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 44 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686067 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13992.35 | $15187.55 | 20251224 | 7.05% | $3514.92 | $4847.74 | 6.75% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $16137.29 | 1 |  | X | $9915.96 | $5377.92 | XXXX | TX | $699.96 |  | Annually | 38.839% |  | 38.839% | 20251110 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 49% | 40% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 01/2025-11/2025 11 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 02/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2023;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2024;<br> [Borrower - Primary Income - Bank Statements] Other - 01/2025-06/2025 6 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025 1 Month;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; | [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $13992.35 |  |  | 0 |  |  | No |  | N/A | 6.75 | 2 | 2 | 0 | 0 | 0 | 2 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3374 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 59 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686068 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $26288.47 | $29372.23 | 20251222 | 7.278% | $7165.94 | $9994.25 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12917.06 | 1 |  | X | $23957.28 | $6782.40 | XXXX | GA | $3200.04 |  | Annually | 43.815% | 43.815 |  | 20251110 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Borrower Prepared | [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] K-1 - 2024;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 1/1/2025-12/31/2025 12 months;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Non-Primary Income - Retirement] Bank Statements - Personal - 9/2025-10/2025;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 10/2025-11/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] 1040 - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $26288.47 |  |  | 0 |  |  | No |  | N/A | 6.999 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 12 | No |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 95 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686069 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $11362.49 | $14466.77 | 20251202 | 0.00% | $2978.39 | $3301.67 | 7.00% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6235.73 | 1 |  | X | $1885.32 | $1994.04 |  |  |  |  |  | 42.581% | 42.581 |  | 20251103 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 09/2025-10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2025-10/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Trust | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687266 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15884.86 | $17024.27 | 20260123 | 0.00% | $4544.24 | $5839.08 | 8.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6195.87 | 1 |  | X | $13384.08 | $2154.00 |  |  |  |  |  | 48.518% |  | 48.518% | 20251106 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Sole Proprietor] 1099 - 2023;<br> [Borrower - Primary Income - Sole Proprietor] 1099 - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Sole Proprietor] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Sole Proprietor] W-2 Transcript - 2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $15884.86 |  |  | 0 |  |  | No |  | N/A | 8.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 3 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686072 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8789.44 | $10915.87 | 20251211 | 7.666% | $1908.43 | $2840.99 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6360.70 | 1 |  | X | $6309.72 | $849.00 | XXXX | CT | $336.00 |  | Monthly | 49.172% |  | 49.172% | 20251111 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-09/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 03/04/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/06/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 3 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | 000000000100001000010000 |  |  |  | Increasing |  |  |  |  |  | 25 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686074 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8358.56 | $9579.93 | 20251215 | 0.00% | $1258.63 | $2174.26 | 8.00% | Yes | Yes | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $27199.22 | 1 |  | AE | $890.28 | $1877.28 | XXXX | AL | $685.00 | 20260101 | Monthly | 32.101% |  | 32.101% | 20251029 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 51% | 49% |  | [Borrower - Primary Income - Wages] Other - 12/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 9/2025 - 11/2025 ;<br> [Borrower - Primary Income - Wages] WVOE - 12/2025 - 7 months;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 - 12 months;<br> [Borrower - Non-Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Secretary of State (SOS) - 01/2024;<br> [Borrower - Non-Primary Income - Bank Statements] Secretary of State (SOS) - 01/2025;<br> [Borrower - Non-Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Secretary of State (SOS) - 01/2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 - 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686075 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $16544.85 | $20220.44 | 20251210 | 0.00% | $6457.47 | $7145.99 | 7.38% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $11583.93 | 1 |  | X | $3239.16 | $4147.08 | XXXX | AZ | $73.00 |  | Monthly | 45.778% | 45.778 |  | 20251107 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 7/2025;<br> [Borrower - Primary Income - Disability] Award Letter / Continuance Letter - 7/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 8/2025;<br> [Co Borrower 1 - Primary Income - Disability] Award Letter / Continuance Letter - 8/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Pension Letter - 8/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $16544.85 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686077 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6293.48 | $8999.30 | 20251209 | 7.704% | $1104.90 | $1432.79 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2995.27 | 1 |  | X | $900.60 | $3034.08 |  |  |  |  |  | 35.308% |  | 35.308% | 20251112 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 40% | 49% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 2/2024;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 7000 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 80 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686078 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7823.75 | $10135.73 | 20251204 | 0.00% | $1819.93 | $2217.29 | 7.38% | No | No | Not Required | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6929.22 | 1 |  | X | $2275.32 | $2493.00 |  |  |  |  |  | 36.397% |  | 36.397% | 20251017 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% |  | 100% |  | [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-9/2025 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 12/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $7823.75 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 33 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686079 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $7928.47 | $11347.82 | 20251203 | 0.00% | $2231.82 | $2750.41 | 7.38% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $2908.65 | 1 |  | X | $4950.00 | $1273.08 |  |  |  |  |  | 48.864% | 48.864 |  | 20251106 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Bank Statements - Personal - 08/2025-11/2025 3 months;<br> [Borrower - Primary Income - Retirement] Investment Statements - 09/2025-10/2025 2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251101 |  | $7928.47 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 250 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686080 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9732.50 | $10951.91 | 20251212 | 0.00% | $1872.25 | $2236.05 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3514.30 | 1 |  | X | $1608.48 | $2537.16 | XXXX | CO | $219.96 |  | Annually | 42.999% |  | 42.999% | 20251112 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 - 12 MONTHS ;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $9732.50 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687267 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1348.60 | $1679.07 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2035.56 | $1930.08 |  |  |  |  |  |  |  |  | 20251110 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.1 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 62 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686082 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5719.95 | $7694.86 | 20251218 | 0.00% | $1407.96 | $1975.84 | 8.13% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $2616.89 | 1 |  | X | $3887.28 | $2927.28 |  |  |  |  |  | 44.997% |  | 44.997% | 20251104 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Bank Statements - Personal - 09/2025-10/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $5719.95 |  |  | -416.25 |  |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 33 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686084 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $50062.28 | $53979.63 | 20251219 | 0.00% | $13142.97 | $15406.44 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $22838.03 | 1 |  | X | $20910.60 | $6251.04 |  |  |  |  |  | 49.356% |  | 49.356% | 20251104 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $50062.28 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 25 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686085 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8131.16 | $9248.86 | 20251217 | 7.503% | $1712.93 | $2139.88 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5910.77 | 1 |  | X | $3604.44 | $1518.96 |  |  |  |  |  | 34.635% |  | 34.635% | 20251113 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2024-12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 05//2018;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $8131.16 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686086 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $4139.69 | $7804.50 | 20251215 | 0.00% | $6094.92 | $7763.11 | 6.75% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $30094.34 | 1 |  | X | $8801.16 | $7257.12 | XXXX | FL | $330.00 |  | Monthly | 33.672% | 33.672 |  | 20251113 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  | 100% |  | Third Party Prepared(unaudited) | [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 10/2025-11/2025 - 2 months;<br> [Borrower - Primary Income - Retirement] Investment Statements - 10/2025-11/2025 - 2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $4139.69 |  |  | -3702.41 |  |  | No |  | N/A | 6.75 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Trust | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 361 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686088 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6583.14 | $10444.77 | 20251215 | 0.00% | $1634.41 | $2317.61 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3332.41 | 1 |  | X | $4381.32 | $517.08 | XXXX | IL | $275.00 | 20260101 | Monthly | 41.383% |  | 41.383% | 20251121 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2023-11/2025 24 Months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $6583.14 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685241 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7430.14 | $8319.74 | 20251211 | 0.00% | $1097.02 | $1452.78 | 7.25% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $5068.09 | 1 |  | X | $2184.00 | $1585.08 | XXXX | TN | $500.04 |  | Annually | 27.525% |  | 27.525% | 20251114 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Investment Statements - 8/2025-10/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 9/2025-10/2025;<br> [Borrower - Primary Income - Retirement] SS Award Letter - 11/2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion | 1453 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 241 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686089 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2902.04 | $3266.80 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $874.08 | $3503.04 |  |  |  |  |  |  |  |  | 20251103 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686090 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1623.86 | $1859.66 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1804.56 | $854.04 | XXXX | ID | $171.00 |  | Annually |  |  |  | 20251028 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.21 |  | No | Fee Simple | Trust | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 79 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687268 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1895.00 | $3470.86 | 20260130 | 0.00% | $9075.49 | $10895.14 | 8.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $37083.28 | 1 |  | X | $17339.76 | $4496.04 |  |  |  |  |  | 24.775% |  | 24.775% | 20260120 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 80% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 11/2025 - 12 MONTHS ;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $1895.00 |  |  | 0 |  |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 15.36 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686091 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8617.39 | $10921.84 | 20251205 | 0.00% | $2588.29 | $3543.77 | 8.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9628.20 | 1 |  | X | $7623.72 | $3302.04 | XXXX | TX | $540.00 |  | Annually | 42.325% |  | 42.325% | 20251103 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024-11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.625 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686092 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $31645.00 | $34049.92 | 20251219 | 0.00% | $4242.32 | $4680.32 | 6.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $14075.55 | 1 |  | X | $3335.28 | $1770.72 | XXXX | WV | $150.00 |  | Annually | 32.964% |  | 32.964% | 20251114 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $31645.00 |  |  | 39753.25 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686094 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12855.63 | $16210.02 | 20251208 | 0.00% | $4086.09 | $4741.36 | 8.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11903.12 | 1 |  | X | $4109.28 | $3753.96 |  |  |  |  |  | 39.376% |  | 39.376% | 20251117 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 05/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $12855.63 |  |  | 0 | 2.5 |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4741 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 62 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686095 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $3684.92 | $4153.12 | 20251231 | 0.00% | $981.89 | $1327.49 | 7.00% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $1923.13 | 1 |  | X | $2897.04 | $1250.16 |  |  |  |  |  | 44.138% | 44.138 |  | 20251112 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 03/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 03/2025;<br> [Co Borrower 1 - Non-Primary Income - Retirement] 1099 - 2024;<br> [Co Borrower 1 - Non-Primary Income - Retirement] 1099 - 2023;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 10/2025-11/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Bank Statements - Personal - 10/2025-11/2025;<br> [Co Borrower 1 - Non-Primary Income - Retirement] Bank Statements - Personal - 10/2025-11/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $3684.92 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687832 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2244.80 | $2691.45 | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3529.80 | $1830.00 |  |  |  |  |  |  |  |  | 20251117 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.79 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 58 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686096 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1414.72 | $1763.99 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3254.16 | $937.08 |  |  |  |  |  |  |  |  | 20251028 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 |  | No | Fee Simple | Trust | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 102 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686097 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $12755.00 | $20253.00 | 20251215 | 0.00% | $4825.57 | $6346.15 | 6.75% | No | No | Retired | Retired | Employed |  |  | 2024-04-02T00:00:00 |  | No | No | No |  |  |  |  | $10385.36 | 1 |  | X | $15249.96 | $2997.00 |  |  |  |  |  | 41.288% | 41.288 |  | 20251117 | 740 | 739 | 770 | 740 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Level 5 Verified |  |  | Stated, level 3 Verified |  |  | No | No |  |  |  |  |  |  | [Co Borrower 2 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 2 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 10/2025-11/2025;<br> [Co Borrower 2 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 2 - Primary Income - Wages] Work Number - 12/2025- 20 mo;<br> [Borrower - Primary Income - Retirement] SS Award Letter - 06/2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 6/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 10/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 09/2025-10/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $12755.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE | 740 |  |  |  |  |  |  |
| 1686098 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $1595.00 | $6550.06 | 20251212 | 0.00% | $8057.70 | $9153.95 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $28309.89 | 1 |  | X | $10305.00 | $2850.00 |  |  |  |  |  | 26.76% | 26.76 |  | 20251117 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Non-Primary Income - Retirement] CPA Letter - 12/2025;<br> [Borrower - Non-Primary Income - Retirement] Investment Statements - 11/2025 3 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686101 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5860.00 | $7021.50 | 20251211 | 0.00% | $1128.56 | $1496.49 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $1785.42 | 1 |  | X | $1739.16 | $516.00 | XXXX | NV | $180.00 |  | Monthly | 45.598% |  | 45.598% | 20251118 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025 ;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $5860.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1496 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 99 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1685046 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12170.43 | $15287.41 | 20251205 | 0.00% | $3433.60 | $4446.37 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7878.21 | 1 |  | X | $6819.24 | $5334.00 |  |  |  |  |  | 46.731% |  | 46.731% | 20251022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 09/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 110 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686103 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $10192.94 | $11434.78 | 20251222 | 7.213% | $2329.99 | $4410.52 | 6.88% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6148.58 | 1 |  | X | $9612.00 | $4086.36 | XXXX | FL | $939.00 |  | Monthly | 49.416% | 49.416 |  | 20251017 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025-11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 11/2025 34 months;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 01/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025-12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Other - 12/2025; | [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $10192.94 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 122 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686104 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $4195.29 | $5200.44 | 20251219 | 0.00% | $904.57 | $1550.78 | 7.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7358.38 | 1 |  | X | $4372.68 | $1461.84 | XXXX | MI | $160.00 |  | Monthly | 19.432% |  | 19.432% | 20251103 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025-11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025 35 months;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $4195.29 |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 48 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686105 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $10465.00 | $13314.00 | 20251211 | 0.00% | $4111.38 | $5348.50 | 7.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $15641.49 | 1 |  | X | $9036.48 | $5808.96 |  |  |  |  |  | 30.383% | 30.383 |  | 20251115 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Employer Letter - 12/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2025;<br> [Borrower - Primary Income - Wages] Paystubs - 10/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | -11760 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687269 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2883.27 | $4506.60 | 6.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 |  | X | $10764.00 | $8715.96 |  |  |  |  |  |  |  |  | 20251118 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  |  |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.58 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686106 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6559.00 | $7715.31 | 20251218 | 0.00% | $1392.69 | $1578.47 | 6.88% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $4038.17 | 1 |  | X | $606.48 | $1622.88 |  |  |  |  |  | 33.227% |  | 33.227% | 20250924 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 50% |  | 100% |  | [Borrower - Primary Income - Wages] Paystubs - 9/2025-12/2025;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Borrower - Primary Income - Wages] WVOE - 11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024-10/2025 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $6559.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 1 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686109 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $2670.00 | $4042.92 | 20251205 | 0.00% | $1137.72 | $1574.81 | 6.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4706.99 | 1 |  | X | $1451.04 | $638.04 | XXXX | CO | $263.00 |  | Monthly | 27.337% | 27.337 |  | 20251119 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 9/2025 - 11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Borrower - Primary Income - Wages] Work Number - 11/24/2025 - 37 MONTHS; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.5 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full | 1749 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Declining |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686111 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5524.13 | $6578.73 | 20251212 | 0.00% | $772.97 | $1129.59 | 6.38% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $1189.74 | 1 |  | A | $1684.08 | $2595.36 |  |  |  |  |  | 48.703% |  | 48.703% | 20251120 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 08/2025 -10/2025;<br> [Borrower - Primary Income - Wages] WVOE - 10/2025 - 33 months;<br> [Borrower - Primary Income - Wages] Bank Statements - Personal - 05/2025 - 10/2025 - 6 months;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Borrower - Primary Income - Wages] WVOE - 12/2025 - 35 months; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.375 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686112 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13904.39 | $14742.73 | 20251222 | 6.847% | $1996.44 | $2589.86 | 6.38% | No | No | Employed | Self-Employed | Not Required |  |  |  |  | No | No | No |  |  |  |  | $3781.19 | 1 |  | X | $5640.00 | $981.00 | XXXX | TX | $500.04 |  | Annually | 43.716% |  | 43.716% | 20251119 | 773 | 775 | 792 | 808 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Not Stated, not Verified |  |  | Not Stated, not Verified |  |  | No | Yes | 12 | Business | 0% |  | 100% |  | [Borrower - Primary Income - Wages] Paystubs - 09/2025-10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 10/2025 16 months;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 18105 |  |  | No |  | N/A | 6.375 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE | 792 |  |  |  |  |  |  |
| 1686113 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $872.64 | $1072.94 | 7.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11308.76 | 1 |  | X | $1221.60 | $1182.00 |  |  |  |  |  | 35.687% |  |  | 20251113 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Work Number - 12/2025 - 35 MONTHS;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 9/2025 - 10/2025;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  | No | Fee Simple | Individual(s) | Full | 10692 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 109 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686114 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No |  |  | 20251217 | 0.00% | $2483.12 | $3019.96 | 7.25% | No | No | Retired | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $4420.80 | 1 |  | X | $2500.08 | $1602.00 | XXXX | FL | $195.00 |  | Monthly | 49.336% | 49.336 |  | 20251113 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 10/2025;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 9/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Third Party Verification - 12/2025 17 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 8/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025; | [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686115 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $6942.41 | $9500.83 | 20251222 | 0.00% | $1792.85 | $2271.28 | 6.88% | No | No | Retired | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6081.05 | 1 |  | X | $3311.52 | $2304.60 | XXXX | CO | $125.04 |  | Annually | 28.968% | 28.968 |  | 20251119 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 9/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 11/2025 - 34 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 11/17/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $6942.41 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full | 2271 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 231 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686116 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $36720.00 | $38584.98 | 20251223 | 0.00% | $11525.20 | $14468.51 | 7.00% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $23504.22 | 1 |  | X | $22697.64 | $9872.04 | XXXX | CA | $2750.04 |  | Annually | 46.154% |  | 46.154% | 20251013 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70% | 20% | 80% |  | [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 6/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 12/20025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 14469 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686117 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13207.73 | $16507.97 | 20251210 | 0.00% | $3485.03 | $4415.54 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5688.17 | 1 |  | X | $8177.04 | $2989.08 |  |  |  |  |  | 44.248% |  | 44.248% | 20251118 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2023 - 10/2025 - 24 Months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 1/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $13207.73 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686118 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9095.00 | $9769.92 | 20251229 | 0.00% | $1839.40 | $2210.24 | 6.88% | No | No | Not Required | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $4460.51 | 1 |  | X | $2714.04 | $1736.04 |  |  |  |  |  | 39.762% |  | 39.762% | 20251111 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025 - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; | [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full | 2210 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686119 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $28044.80 | $31076.24 | 20251215 | 6.881% | $5182.96 | $5989.02 | 6.50% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $11601.88 | 1 |  | X | $4725.48 | $4897.20 | XXXX | CO | $4.17 |  | Monthly | 45.556% |  | 45.556% | 20250923 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/29/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/29/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/27/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/9/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/5/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $28044.80 |  |  | 12867 |  |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 44 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686120 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5101.44 | $6157.61 | 20251210 | 0.00% | $749.24 | $1334.44 | 6.63% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $1388.56 | 1 |  | X | $1681.44 | $1074.00 | XXXX | AZ | $4266.96 |  | Annually | 49.744% |  | 49.744% | 20251016 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 2025;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 09/2025-10/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $5101.44 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Trust | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686121 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $24964.81 | $30755.84 | 20251205 | 0.00% | $5784.05 | $6696.35 | 8.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9903.45 | 1 |  | X | $4668.60 | $6078.96 | XXXX | CO | $200.04 | 20260101 | Annually | 45.069% |  | 45.069% | 20250918 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 40% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $24964.81 |  |  | -13300 |  |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686122 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3166.77 | $3898.44 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 |  | X | $6027.00 | $2753.04 |  |  |  |  |  |  |  |  | 20251103 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.41 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686725 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1533.27 | $1922.20 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$5395.00 | 1 |  | X | $2724.12 | $1943.04 |  |  |  |  |  |  |  |  | 20251103 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 12454 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686125 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21690.60 | $25124.55 | 20251220 | 0.00% | $5985.79 | $6530.08 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6925.32 | 1 |  | X | $3015.84 | $3515.64 |  |  |  |  |  | 48.642% |  | 48.642% | 20251119 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2023-11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2023-11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $21690.60 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686126 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7619.11 | $9242.15 | 20251212 | 0.00% | $1471.49 | $1739.67 | 6.88% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $3222.48 | 1 |  | X | $1329.12 | $809.04 | XXXX | ID | $1080.00 |  | Annually | 45.349% |  | 45.349% | 20251110 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Pension Letter - 09/2025;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 11/2024;<br> [Borrower - Primary Income - Retirement] Pension Letter - 10/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $7619.11 |  |  | -1362.5 | 1 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 84 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686128 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11174.18 | $12875.72 | 20251218 | 0.00% | $3094.59 | $3599.76 | 8.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $26330.82 | 1 |  | X | $4101.96 | $1960.08 |  |  |  |  |  | 14.659% |  | 14.659% | 20251012 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 40% | 100% |  |  | [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025 - 161 MONTHS; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $11174.18 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686130 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $8070.54 | $10495.11 | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $32086.33 | 3 |  | X | $24309.84 | $4785.00 |  |  |  |  |  | 16.248% |  |  | 20251121 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - C-Corp] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - C-Corp] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - C-Corp] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - C-Corp] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - C-Corp] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - C-Corp] 4506 or 4506T - 2023;<br> [Borrower - Primary Income - C-Corp] 4506 or 4506T - 2024; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 2 | 0 | 2 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Limited Liability Corp | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 51 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686132 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $3640.00 | $8657.19 | 20251210 | 0.00% | $5121.30 | $6125.78 | 6.75% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7555.03 | 1 |  | X | $10840.20 | $1213.56 |  |  |  |  |  | 49.373% |  | 49.373% | 20251124 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% |  | 100% |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Employer Letter - 10/2025;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025 - 35 MONTHS;<br> [Borrower - Primary Income - Wages] Paystubs - 10/2025-11/2025;<br> [Borrower - Primary Income - Wages] VVOE - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 10/2025 - 24 MONTHS;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 9/2025 - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024 - 8/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $3640.00 |  |  | -985 |  |  | No |  | N/A | 6.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 10759 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686133 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9793.30 | $12018.20 | 20251205 | 0.00% | $2312.69 | $2768.56 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $17566.42 | 1 |  | X | $2884.44 | $2586.00 |  |  |  |  |  | 14.448% |  | 14.448% | 20251105 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 85% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2023-10/2025- 24 mo;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $9793.30 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 52 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686138 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $23964.44 | $29195.18 | 20251212 | 0.00% | $9462.28 | $11272.03 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $18334.43 | 1 |  | X | $12540.00 | $7977.00 | XXXX | CO | $100.00 |  | Monthly | 44.748% |  | 44.748% | 20251119 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/3/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 7/15/2015;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/14/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/3/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | -15964.83 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686139 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $12220.00 | $12863.88 | 20251229 | 0.00% | $3686.07 | $4190.34 | 7.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8127.83 | 1 |  | X | $3471.24 | $2580.00 |  |  |  |  |  | 44.818% | 44.818 |  | 20251119 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 9/1/2025-10/31/2025-2 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 12/11/2025-15 months;<br> [Borrower - Primary Income - Wages] Employer Letter - 12/6/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $12220.00 |  |  | -465.19 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 86 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686140 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $23637.50 | $25547.14 | 20251215 | 0.00% | $3949.80 | $4942.31 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12153.91 | 1 |  | X | $6839.16 | $5070.96 |  |  |  |  |  | 34.71% |  | 34.71% | 20251015 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2023-10/2025- 24 mo;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $23637.50 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686142 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $4657.43 | $5855.92 | 20251226 | 7.296% | $829.80 | $1853.95 | 6.75% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $1943.86 | 2 |  | X | $6618.00 | $5671.80 |  |  |  |  |  | 48.816% |  | 48.816% | 20251111 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 10/2025-11/2025;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $4657.43 |  |  | 0 |  |  | No |  | N/A | 6.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Limited Liability Corp | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686145 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10423.01 | $11091.42 | 20251231 | 0.00% | $2318.94 | $2661.56 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4879.06 | 1 |  | X | $2283.36 | $1578.00 | XXXX | AL | $250.08 |  | Annually | 46.857% |  | 46.857% | 20251008 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 02/2023;<br> [Borrower - Primary Income - Bank Statements] Other - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024-11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $10423.01 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1618 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686147 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14333.95 | $16025.94 | 20251216 | 7.331% | $2413.29 | $2880.40 | 6.88% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $8630.56 | 1 |  | X | $2245.32 | $3285.00 |  |  |  |  |  | 27.638% |  | 27.638% | 20251111 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025-11/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2025-12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 12/2025 23 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $14333.95 |  |  | 13500 |  |  | No |  | N/A | 6.875 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 40 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686149 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9209.14 | $10439.85 | 20251218 | 0.00% | $1686.07 | $2105.41 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5982.17 | 1 |  | X | $3074.52 | $1849.56 | XXXX | AR | $108.00 | 20260101 | Annually | 35.831% |  | 35.831% | 20251120 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 60% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024-10/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 03/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 02/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $9209.14 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 22 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687274 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8195.00 | $9692.00 | 20260113 | 0.00% | $2334.95 | $2681.68 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5325.69 | 1 |  | X | $2260.80 | $1899.96 |  |  |  |  |  | 38.533% |  | 38.533% | 20251125 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $8195.00 |  |  | 0 | 1 |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686151 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7280.88 | $7910.45 | 20251219 | 0.00% | $1485.55 | $1927.58 | 6.75% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $3376.49 | 1 |  | X | $2191.32 | $2613.00 | XXXX | MS | $500.04 |  | Annually | 38.227% |  | 38.227% | 20251126 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 08/2025;<br> [Borrower - Primary Income - Disability] SS Award Letter - 09/2025;<br> [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 11/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $7280.88 |  |  | -560 | 1 |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686152 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $4903.82 | $8663.88 | 20260107 | 8.576% | $1094.56 | $1827.49 | 7.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4739.50 | 1 |  | X | $3743.16 | $312.00 | XXXX | IL | $395.00 |  | Monthly | 28.265% |  | 28.265% | 20251125 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $4903.82 |  |  | 2200 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 39 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687275 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3341.22 | $4324.56 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 |  | X | $9903.00 | $1897.08 |  |  |  |  |  |  |  |  | 20251125 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.39 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 23 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687276 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1171.63 | $1377.79 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1488.96 | $984.96 |  |  |  |  |  |  |  |  | 20251125 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.09 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 75 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687277 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2787.13 | $3186.30 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 |  | X | $3432.96 | $1357.08 |  |  |  |  |  |  |  |  | 20251030 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.38 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 33 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687278 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1339.87 | $1534.46 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1661.04 | $674.04 |  |  |  |  |  |  |  |  | 20251125 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 66 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687280 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2224.59 | $2743.76 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$8857.00 | 4 |  | X | $4512.00 | $1718.04 |  |  |  |  |  |  |  |  | 20251125 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.17 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 36 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686154 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $1635.00 | $4586.57 | 20260105 | 0.00% | $2911.07 | $3363.90 | 7.00% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $4430.90 | 1 |  | X | $4223.28 | $1170.72 | XXXX | MI | $39.96 |  | Annually | 44.439% | 44.439 |  | 20251117 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 12/2025 - 30 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025 - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $1635.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full | 3364 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686155 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10488.20 | $11710.74 | 20251223 | 0.00% | $2511.09 | $2794.76 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4838.37 | 1 |  | X | $1329.96 | $2024.04 | XXXX | TN | $50.04 | 20260101 | Annually | 40.378% |  | 40.378% | 20251126 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | -9.76 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686157 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $756.43 | $1386.90 | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7196.79 | 1 |  | X | $1370.04 | $683.76 | XXXX | FL | $459.32 | 20260201 | Monthly | 42.475% |  |  | 20251119 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] VVOE - 01/2026;<br> [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 2760 |  |  | No |  | N/A | 7.375 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | 0 |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Declining |  |  |  |  |  | 102 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686160 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11207.93 | $12329.41 | 20251219 | 0.00% | $2640.93 | $3153.49 | 6.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5046.64 | 1 |  | X | $3550.68 | $2600.04 |  |  |  |  |  | 45.683% |  | 45.683% | 20251126 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024-11/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687281 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $6235.25 | $9563.12 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 5 |  | AE | $18504.00 | $21430.44 |  |  |  |  |  |  |  |  | 20260113 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.15 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 26518 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 219 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687282 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $6235.25 | $9855.39 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 5 |  | AE | $23907.60 | $19534.08 |  |  |  |  |  |  |  |  | 20260113 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  | No | Leasehold | Limited Liability Corp | Debt Service Coverage | 26518 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 121 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686721 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7176.00 | $8618.76 | 20260109 | 0.00% | $1815.09 | $2583.02 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5129.54 | 1 |  | X | $7483.20 | $1731.96 |  |  |  |  |  | 34.376% |  | 34.376% | 20251125 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 1/2/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1/5/2026;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2023-10/2025-24 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $7176.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686163 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8795.00 | $11204.79 | 20251224 | 0.00% | $4883.78 | $6579.88 | 7.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8249.00 | 1 |  | X | $15349.20 | $5004.00 |  |  | $0.00 |  | Monthly | 44.372% |  | 44.372% | 20251024 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 4 | 3 | 0 |  | XXXX | XXXX | 20261201 |  | $8795.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Trust | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687285 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8323.13 | $9587.89 | 20260107 | 7.594% | $1574.82 | $2211.55 | 7.13% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $3953.65 | 1 |  | X | $4074.48 | $3166.20 | XXXX | OK | $400.08 |  | Annually | 42.544% |  | 42.544% | 20251201 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $8323.13 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687286 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2534.51 | $4297.70 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 |  | X | $15120.24 | $6038.04 |  |  |  |  |  |  |  |  | 20251124 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.21 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 73 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687287 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15690.25 | $16948.34 | 20260121 | 0.00% | $3452.81 | $4288.63 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9659.96 | 1 |  | X | $7337.88 | $2691.96 |  |  |  |  |  | 33.829% |  | 33.829% | 20251110 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2024-12/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 1/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $15690.25 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687289 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11601.55 | $13053.25 | 20260113 | 0.00% | $2576.91 | $3490.81 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4618.90 | 1 |  | X | $5391.84 | $714.96 | XXXX | ME | $405.00 |  | Monthly | 47.707% |  | 47.707% | 20260105 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Sole Proprietor] 1099 - 2023;<br> [Borrower - Primary Income - Sole Proprietor] 1099 - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 11/2025; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $11601.55 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686167 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $22043.08 | $2600.95 | 20251218 | 7.541% | $6340.54 | $7527.47 | 7.25% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $9579.66 | 1 |  | X | $9542.04 | $1388.04 | XXXX | AZ | $3313.08 | 20260101 | Annually | 46.261% | 46.261 |  | 20251028 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% | 100% |  | [Borrower - Primary Income - S-Corp] K-1 - 2023;<br> [Borrower - Primary Income - S-Corp] K-1 - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 09/2012;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] VVOE - 12/2025;<br> [Co Borrower 1 - Non-Primary Income - Retirement] Pension Letter - 11/2018;<br> [Co Borrower 1 - Non-Primary Income - Retirement] SS Award Letter - 09/2025;<br> [Co Borrower 1 - Non-Primary Income - Retirement] Pension Letter - 12/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Work Number - 12/2025; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $22043.08 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 2 | 0 | 4 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686168 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9779.43 | $11943.10 | 20251216 | 0.00% | $3856.64 | $4453.02 | 7.00% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $15750.48 | 1 |  | X | $3856.56 | $2160.00 | XXXX | UT | $95.00 |  | Monthly | 22.367% |  | 22.367% | 20251112 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% |  | 100% |  | [Borrower - Primary Income - Wages] Paystubs - 9/2025-10/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Work Number - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] W-2 - 2023; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686169 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $42461.12 | $45008.38 | 20251223 | 0.00% | $15831.14 | $17894.98 | 7.00% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $66853.76 | 1 |  | X | $11552.04 | $13214.04 |  |  |  |  |  | 32.798% |  | 32.798% | 20251117 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% |  | 80% |  | [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $42461.12 |  |  | -30875 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Trust | Bank Statement | 43796 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 108 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686173 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $4426.25 | $7155.59 | 20260102 | 0.00% | $2447.11 | $3165.73 | 7.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3571.83 | 1 |  | X | $7317.48 | $1305.96 |  |  |  |  |  | 47.307% |  | 47.307% | 20251202 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025 - 12 Months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 5/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $4426.25 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 21 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686174 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17614.95 | $19758.31 | 20251215 | 0.00% | $3673.79 | $4066.29 | 7.13% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $41471.33 | 1 |  | X | $2879.40 | $1830.60 |  |  |  |  |  | 9.338% |  | 9.338% | 20251026 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 11/2025 13 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $17614.95 |  |  | -1330 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 37 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686175 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $29245.00 | $32689.50 | 20251222 | 0.00% | $25943.92 | $28979.87 | 6.75% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $42458.47 | 1 |  | X | $26382.36 | $10049.04 |  |  |  |  |  | 46.371% |  | 46.371% | 20251106 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024 - 10/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20261201 |  | $29245.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Trust | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686176 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17855.00 | $19276.72 | 20251224 | 6.61% | $3275.62 | $3792.56 | 6.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4481.22 | 1 |  | D | $3220.92 | $2022.36 | XXXX | AZ | $80.00 | 20260101 | Monthly | 47.433% |  | 47.433% | 20251117 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 1/2025 - 11/2025 - 11 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025 - 12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  |  |  |  | 23200 |  |  | No |  | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 58 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687292 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13397.88 | $14303.50 | 20260123 | 7.118% | $2572.02 | $2934.38 | 6.75% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $8159.42 | 1 |  | X | $3036.24 | $1312.08 |  |  |  |  |  | 30.787% |  | 30.787% | 20251119 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] SS Award Letter - 11/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Investment Statements - 11/2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 11/225; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $13397.88 |  |  | 10000 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686178 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6452.53 | $7491.75 | 20251219 | 0.00% | $939.68 | $1908.84 | 6.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3124.45 | 1 |  | X | $3211.08 | $1134.84 | XXXX | FL | $607.00 |  | Monthly | 49.636% |  | 49.636% | 20251019 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025;<br> [Borrower - Primary Income - Wages] Work Number - 10/2025-45 months;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - No Results Returned - 2023;<br> [Borrower - Primary Income - Wages] Employer Letter - 10/2025;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $6452.53 |  |  | 0 |  |  | No |  | N/A | 6.375 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686179 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9093.36 | $10182.72 | 20251222 | 0.00% | $2149.46 | $2728.86 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11737.90 | 1 |  | X | $4912.80 | $2040.00 |  |  |  |  |  | 25.901% |  | 25.901% | 20251202 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $9093.36 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 42 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686180 | XXXX | XXXX | Non-QM | XXXX | Yes | No |  |  | 20251212 | 0.00% | $1861.38 | $2483.45 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10126.93 | 1 |  | X | $4701.00 | $2763.84 |  |  |  |  |  | 27.178% |  | 27.178% | 20251202 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | -732.5 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Trust | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 111 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687295 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $25267.00 | $32916.22 | 20260107 | 7.294% | $5287.21 | $7032.44 | 6.88% | No | No | Employed | Employed | Employed | Unemployed |  | 2018-04-09T00:00:00 |  | No | No | No | No |  |  |  | $9195.35 | 1 |  | X | $12452.76 | $8490.00 |  |  |  |  |  | 49.514% |  | 49.514% | 20251111 | 743 | 727 | 746 | 719 | 783 | 798 | 769 |  |  |  |  |  |  |  |  |  | Stated, Verified | Stated, Verified |  | Stated, Level 5 Verified | Not Stated, not Verified |  | Stated, level 3 Verified | Not Stated, not Verified |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 9/2025 - 12/2025;<br> [Borrower - Primary Income - Wages] VVOE - 1/2026;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 1/2026;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 9/2025 - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 2 - Primary Income - Wages] VVOE - 1/2026;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 9/2025 - 12/2025;<br> [Co Borrower 2 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 2 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 2 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 2 - Primary Income - Wages] W-2 Transcript - 2024; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 2] Transcripts - 2024;<br> [Co Borrower 2] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $25997.69 |  |  | 10000 |  |  | No |  | N/A | 6.875 | 2 | 2 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full | 7032 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Declining |  |  |  |  |  | 5 |  | No |  | FALSE | 727 | 783 |  |  |  |  |  |
| 1687296 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2351.22 | $3102.13 | 6.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 8 |  | C | $4001.52 | $5009.40 |  |  |  |  |  |  |  |  | 20251204 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.74 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 8153 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 78 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686186 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $8296.32 | $10657.12 | 20260107 | 0.00% | $2274.47 | $2951.29 | 7.00% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $6739.96 | 1 |  | X | $4690.32 | $3431.52 |  |  |  |  |  | 47.721% | 47.721 |  | 20251229 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] Other - 01/2026;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 04/2012;<br> [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 01/2026;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Sole Proprietor] Bank Statements - Personal - 11/2024 - 10/2025 - 12 months;<br> [Borrower - Primary Income - Sole Proprietor] Other - 01/2026;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 01/2026;<br> [Co Borrower 1 - Non-Primary Income - Bank Statements] Bank Statements - Personal - 11/2025 - 01/2026 - 3 months;<br> [Co Borrower 1 - Non-Primary Income - Bank Statements] Other - 12/2025;<br> [Co Borrower 1 - Non-Primary Income - Bank Statements] Bank Statements - Personal - 10/2025 - 12/2025 - 3 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $8296.32 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687297 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4125.25 | $5033.62 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 |  | X | $7370.40 | $3530.04 |  |  |  |  |  |  |  |  | 20260123 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  |  |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 35 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687298 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3864.70 | $4626.87 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$534.25 | 5 |  | X | $6171.96 | $2974.08 |  |  |  |  |  |  |  |  | 20260123 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.25 |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 4627 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 29 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687299 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $934.29 | $1117.52 | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | B | $1385.76 | $813.00 |  |  |  |  |  |  |  |  | 20251117 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.24 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 109 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686189 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $7427.02 | $8482.61 | 20251224 | 0.00% | $1663.29 | $1904.25 | 6.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2495.70 | 1 |  | X | $435.00 | $656.52 | XXXX | ID | $1800.00 |  | Annually | 43.279% | 43.279 |  | 20251116 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - S-Corp] 1099 - 2024;<br> [Borrower - Primary Income - S-Corp] Paystubs - 10/2025-11/2025 1 month;<br> [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - S-Corp] VVOE - 12/2025; | [Borrower] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $7427.02 |  |  | -20 |  |  | No |  | N/A | 6.125 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687300 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1196.17 | $2030.85 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | AE | $2280.96 | $943.20 | XXXX | SC | $566.00 | 20260201 | Monthly |  |  |  | 20251203 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.33 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687301 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $18388.56 | $20134.69 | 20260119 | 6.866% | $5257.59 | $6957.90 | 6.63% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $13681.26 | 1 |  | X | $15668.76 | $4734.96 |  |  |  |  |  | 39.322% | 39.322 |  | 20251203 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 09/2025-12/2025- 3 months;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 01/2026;<br> [Borrower - Primary Income - Wages] VVOE - 01/2026;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025-12/2025 3 Months;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 01/2026; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $18388.56 |  |  | 0 |  |  | No |  | N/A | 6.625 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full | 6702 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 64 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686195 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $18635.00 | $19713.60 | 20251222 | 0.00% | $5568.02 | $6296.29 | 7.00% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $10909.71 | 1 |  | X | $2948.28 | $5790.96 |  |  |  |  |  | 41.933% |  | 41.933% | 20251203 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% |  | 100% |  | [Borrower - Primary Income - Wages] Paystubs - 10/1/2025-10/31/2025-1 month;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 12/17/2025-35 months;<br> [Borrower - Primary Income - Wages] Work Number - 12/17/2025-35 months;<br> [Borrower - Primary Income - Wages] VVOE - 12/17/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025-12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 12/17/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 3/31/2014;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/20/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 3/31/2014; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $18635.00 |  |  | -12555 |  |  | No |  | N/A | 6.99 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687302 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7782.50 | $9908.13 | 20260109 | 0.00% | $1382.81 | $2296.06 | 7.38% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $2745.47 | 1 |  | X | $7983.48 | $2975.52 |  |  |  |  |  | 45.543% |  | 45.543% | 20251203 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 12/2025;<br> [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 8/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 10/2025-11/2025 - 2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX | Fully Amortized |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 110 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686196 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1146.06 | $2447.26 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | AE | $3558.60 | $931.80 | XXXX | SC | $927.00 | 20260201 | Monthly |  |  |  | 20251027 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686197 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $10884.30 | $13366.54 | 20251230 | 0.00% | $3129.19 | $4242.33 | 7.13% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5250.46 | 1 |  | X | $10332.60 | $2330.04 | XXXX | TX | $695.04 | 20260101 | Annually | 44.69% | 44.69 |  | 20251204 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] Employer Letter - 12/2025;<br> [Borrower - Primary Income - Sole Proprietor] 1099 - 2023;<br> [Borrower - Primary Income - Sole Proprietor] 1099 - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Bank Statements - Personal - 01/2025 - 10/2025;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 02/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $10884.30 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686722 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $723.44 | $902.42 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$12500.00 | 1 |  | X | $1299.12 | $848.64 |  |  |  |  |  |  |  |  | 20251105 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.41 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 902 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 501 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687304 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1047.34 | $1635.72 | 6.50% | Yes | Yes | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | X | $4549.56 | $2511.00 |  |  |  |  |  |  |  |  | 20251204 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | -414.25 |  |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.65 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 325 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687305 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7420.00 | $10182.00 | 20260114 | 0.00% | $1426.92 | $2482.89 | 6.75% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $3841.84 | 1 |  | X | $3729.60 | $6482.04 | XXXX | NC | $2460.00 | 20270101 | Annually | 49.434% |  | 49.434% | 20251118 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 12/2025;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 11/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $7420.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 131 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686199 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2234.56 | $2874.79 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $5871.72 | $1811.04 |  |  |  |  |  |  |  |  | 20251205 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.2 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 99 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686201 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1116.81 | $1606.98 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $4308.00 | $1574.04 | XXXX | PA | $0.00 |  | Monthly |  |  |  | 20251105 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | -1275 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.36 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687307 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $24590.82 | $26605.27 | 20260121 | 0.00% | $10479.27 | $11324.41 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $43294.90 | 1 |  | X | $7517.64 | $2624.04 |  |  |  |  |  | 24.791% |  | 24.791% | 20251204 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $24590.82 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686203 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $12439.31 | $15820.41 | 20260102 | 6.879% | $4039.40 | $4746.92 | 6.63% | No | No | Retired | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5890.49 | 1 |  | X | $7965.24 | $525.00 | XXXX | UT |  |  |  | 45.486% | 45.486 |  | 20251202 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 12/2025 - 125 Months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 11/2025;<br> [Co Borrower 1 - Non-Primary Income - Bank Statements] Bank Statements - Personal - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 43 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687308 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6618.95 | $7245.68 | 20260122 | 7.343% | $1428.43 | $1689.08 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2399.93 | 1 |  | X | $1293.84 | $1833.96 |  |  |  |  |  | 41.308% |  | 41.308% | 20251201 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 01/2025 - 12/2025 - 12 months ;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $6618.95 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686204 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $14898.64 | $17602.04 | 20251222 | 0.00% | $5876.53 | $7716.69 | 7.00% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $15024.74 | 1 |  | AE | $16056.96 | $6024.96 |  |  |  |  |  | 42.793% | 42.793 |  | 20251204 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 11/2025;<br> [Borrower - Primary Income - Wages] WVOE - 12/2025;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Declining |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686208 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $45488.78 | $58483.75 | 20251222 | 0.00% | $19603.88 | $24719.45 | 6.75% | No | No | Employed | Self-Employed | Self-Employed |  |  | 2024-03-01T00:00:00 |  | No | No | No |  |  |  |  | $119751.60 | 4 |  | X | $51500.04 | $9886.80 |  |  |  |  |  | 24.841% | 24.841 |  | 20251124 | 769 | 659 | 685 | 705 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Level 4 Verified |  |  | Stated, level 3 Verified |  |  | No | No |  |  |  |  | 33% |  | [Co Borrower 1 - Primary Income - S-Corp] Other - 12/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] K-1 - 2024;<br> [Co Borrower 2 - Primary Income - S-Corp] W-2 - 2024;<br> [Co Borrower 2 - Primary Income - S-Corp] VVOE - 12/2025;<br> [Co Borrower 2 - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Co Borrower 2 - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Co Borrower 2 - Primary Income - S-Corp] Other - 12/2025;<br> [Co Borrower 2 - Primary Income - S-Corp] K-1 - 2024;<br> [Co Borrower 2 - Primary Income - S-Corp] VVOE - 12/2025;<br> [Co Borrower 2 - Primary Income - S-Corp] W-2 - 2024; | [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 2] Transcripts - 2024;<br> [Co Borrower 2] 1040 - 2024; | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 21200 |  |  | No |  | N/A | 6.75 | 0 | 1 | 0 | 2 | 0 | 3 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 78 |  | No |  | FALSE | 685 |  |  |  |  |  |  |
| 1687310 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $945.50 | $1576.44 | 7.25% | Yes | Yes | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $6177.24 | $1394.04 |  |  |  |  |  |  |  |  | 20251201 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.08 |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 1415 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 77 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686210 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $26890.33 | $29631.48 | 20251222 | 0.00% | $7426.44 | $8955.86 | 6.75% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $20614.68 | 1 |  | X | $14000.04 | $2652.96 | XXXX | TX | $1700.04 |  | Annually | 30.392% |  | 30.392% | 20251120 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 95% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/24-11/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Non-Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $26890.33 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 72 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687311 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9813.82 | $11812.47 | 20260112 | 7.056% | $1894.81 | $2462.96 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3399.87 | 1 |  | X | $5700.00 | $1117.80 |  |  |  |  |  | 44.988% |  | 44.988% | 20251129 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 15000 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 36 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686211 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $3890.00 | $12661.59 | 20251219 | 0.00% | $12160.99 | $14590.83 | 8.00% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $24776.05 | 1 |  | X | $24375.00 | $4783.08 |  |  |  |  |  | 41.527% |  | 41.527% | 20251205 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 55% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] W-2 - 2023;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2024;<br> [Borrower - Primary Income - Bank Statements] Paystubs - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 04/2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 04/2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Work Number - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $3890.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 29 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687312 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $11396.08 | $14029.09 | 20250108 | 7.161% | $3283.33 | $4244.46 | 6.88% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $6177.48 | 1 |  | X | $8018.76 | $3514.80 |  |  |  |  |  | 43.836% | 43.836 |  | 20251205 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] SS Award Letter - 12/2025 12 months;<br> [Borrower - Primary Income - Retirement] Investment Statements - 09/2025-10/2025 2 months; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $11396.08 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion | 4002 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 161 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686213 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6285.82 | $7865.38 | 20251223 | 0.00% | $1097.54 | $1944.15 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4167.77 | 1 |  | X | $2989.44 | $1217.88 | XXXX | FL | $496.00 |  | Monthly | 31.909% |  | 31.909% | 20251029 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 6/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024 - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $6285.82 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1944 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687313 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1568.94 | $2443.20 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $8488.20 | $2002.92 |  |  |  |  |  |  |  |  | 20251201 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 73 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686214 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6395.00 | $7866.17 | 20251219 | 7.915% | $1398.43 | $1644.90 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4200.12 | 1 |  | X | $1558.68 | $1014.96 | XXXX | NC | $32.00 | 20260101 | Monthly | 29.94% |  | 29.94% | 20251208 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2024 - 10/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Expense Letter - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $6395.00 |  |  | 34600 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | Yes |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687314 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $26569.50 | $27625.30 | 20260130 | 0.00% | $8348.70 | $10987.88 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $18331.61 | 1 |  | X | $27070.08 | $4600.08 |  |  |  |  |  | 47.991% |  | 47.991% | 20251114 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2025-12/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 1/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 77 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687315 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $13595.00 | $16894.92 | 20260109 | 7.174% | $3941.57 | $5682.24 | 6.88% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $10957.98 | 1 |  | X | $15727.08 | $5160.96 |  |  |  |  |  | 40.259% | 40.259 |  | 20251205 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  |  |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 146 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687316 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $2005.60 | $19604.83 | 20260109 | 0.00% | $21556.84 | $24099.03 | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $48286.12 | 1 |  | X | $24186.60 | $6319.68 |  |  |  |  |  | 36.291% |  | 36.291% | 20251201 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 - 12 months ;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $2005.60 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 23 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687317 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $30283.52 | $36753.24 | 20260112 | 0.00% | $9737.05 | $12311.84 | 7.00% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $19892.16 | 1 |  | X | $28125.00 | $2772.48 |  |  |  |  |  | 38.527% | 38.527 |  | 20251208 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 01/2025-12/2025 - 12 Months;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $30283.52 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Trust | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 21 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687319 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2856.57 | $3457.83 | 7.13% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6986.01 | 1 |  | X | $6195.60 | $1019.52 |  |  |  |  |  | 32.618% |  |  | 20251211 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Other - 12/2025;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025 - 22 months;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025 - 23 months;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 10/2025 - 12/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 07/2025 - 11/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686216 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1661.77 | $2046.96 | 6.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $26690.71 | 1 |  | X | $2489.04 | $1593.24 | XXXX | TX | $540.00 | 20260101 | Annually | 26.429% |  |  | 20251208 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 163 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686217 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $13535.00 | $20439.76 | 20260105 | 0.00% | $6320.02 | $8988.52 | 6.50% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $20208.60 | 1 |  | X | $18272.04 | $13749.96 |  |  |  |  |  | 30.928% | 30.928 |  | 20251020 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Investment Statements - 10/1/2025-11/30/2025-2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.499 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Limited Liability Corp | Asset Depletion |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 109 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686219 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $12963.91 | $13850.81 | 20251229 | 7.381% | $7492.85 | $8265.52 | 7.25% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $12208.33 | 1 |  | X | $5132.28 | $4139.76 |  |  |  |  |  | 45.933% | 45.933 |  | 20251126 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Borrower Prepared | [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 12/2025;<br> [Borrower - Primary Income - S-Corp] Other - 12/2025;<br> [Borrower - Primary Income - S-Corp] Paystubs - 11/2025;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - S-Corp] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - S-Corp] 4506 or 4506T - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025; | [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2024;<br> [Borrower] 4506 or 4506T - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $12963.91 |  |  | 0 |  |  | No |  | N/A | 7.25 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 12 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687320 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $8568.45 | $11355.02 | 20260109 | 0.00% | $2082.30 | $3233.38 | 6.88% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $4486.16 | 1 |  | X | $10125.00 | $3687.96 |  |  |  |  |  | 42.297% | 42.297 |  | 20251209 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 12/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 07/2025 - 09/30/2025 - 3 months ; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $8568.45 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 176 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687321 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1746.37 | $2031.45 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1767.00 | $1653.96 |  |  |  |  |  |  |  |  | 20251205 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 117 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687322 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $8775.00 | $11089.75 | 20260114 | 0.00% | $2388.19 | $2880.57 | 7.00% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $14578.66 | 1 |  | X | $2590.56 | $3318.00 |  |  |  |  |  | 17.205% | 17.205 |  | 20251209 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Investment Statements - 7/2025 - 9/2025 3 months;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 11/2025 - 1/2026 2 months;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 11/2025 - 12/2025 2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $8775.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 734 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687323 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9975.94 | $11823.92 | 20260106 | 7.125% | $2089.06 | $2961.67 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $22444.11 | 1 |  | X | $8967.48 | $1503.84 |  |  |  |  |  | 15.977% |  | 15.977% | 20251204 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025 - 264 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Trust | Bank Statement | 2962 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686221 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13570.00 | $15321.82 | 20251220 | 7.68% | $3669.21 | $4133.65 | 7.38% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $10637.42 | 1 |  | X | $3216.36 | $2140.92 | XXXX | NV | $18.00 | 20260101 | Monthly | 44.978% |  | 44.978% | 20251209 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 15% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024-11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2025-11/2025;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 11/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 12/2025-255 mo;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $13570.00 |  |  | 12000 |  |  | No |  | N/A | 7.375 | 0 | 1 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 91 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687325 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5817.84 | $6852.20 | 20260128 | 0.00% | $1025.29 | $1523.53 | 7.00% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $2933.67 | 1 |  | X | $3972.84 | $2006.04 |  |  |  |  |  | 39.514% |  | 39.514% | 20251231 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] SS Award Letter - 10/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 11/2025-12/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $5817.84 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 52 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686224 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $21390.60 | $28756.06 | 20260105 | 0.00% | $6062.12 | $7038.06 | 7.13% | No | No | Not Required | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $14751.08 | 1 |  | X | $8042.28 | $3669.00 |  |  |  |  |  | 38.724% | 38.724 |  | 20251207 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 8/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025-12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 12/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $21390.60 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 41 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686225 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10522.50 | $11856.42 | 20251231 | 7.488% | $3537.08 | $4310.12 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12404.30 | 1 |  | X | $7939.20 | $1337.28 |  |  |  |  |  | 30.723% |  | 30.723% | 20251112 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 04/2022;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $10522.50 |  |  | 18620 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686226 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $27963.76 | $30275.64 | 20251230 | 0.00% | $6481.93 | $7264.29 | 6.75% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $13065.41 | 1 |  | X | $6114.72 | $3273.60 |  |  |  |  |  | 38.265% |  | 38.265% | 20251125 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 55% |  | 100% |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2025 1 month;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025- 11 months;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 11/2023-10/2024 24 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 12/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $27963.76 |  |  | 0 |  |  | No |  | N/A | 6.75 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 12978 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 44 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687328 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $19895.00 | $24520.07 | 20260105 | 7.149% | $5912.36 | $7240.78 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7923.39 | 1 |  | C | $10278.00 | $5663.04 |  |  |  |  |  | 47.749% |  | 47.749% | 20251202 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025 - 12 months ;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $19895.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 120 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686229 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12512.51 | $15974.01 | 20260105 | 7.356% | $2270.35 | $3187.17 | 6.88% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $3302.27 | 1 |  | AE | $7081.80 | $3920.04 |  |  |  |  |  | 49.425% |  | 49.425% | 20251015 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025-12/2025 2 month;<br> [Borrower - Primary Income - Wages] Other - 12/2025;<br> [Borrower - Primary Income - Wages] VVOE - 12/2025;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025 10 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 08/2025-12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $12512.51 |  |  | 4950 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 93 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686230 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $13835.00 | $17787.39 | 20260102 | 6.953% | $3483.29 | $4138.88 | 6.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5947.18 | 1 |  | X | $6800.04 | $503.04 | XXXX | NV | $47.00 | 20260102 | Monthly | 46.514% | 46.514 |  | 20251121 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] VVOE - 1/2026;<br> [Borrower - Primary Income - Wages] Employer Letter - 12/2025;<br> [Borrower - Primary Income - Wages] WVOE - 12/2025 - 35 months;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 11/2025 -12/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2023; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $13835.00 |  |  | 26905.98 | 1 |  | No |  | N/A | 6.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Trust | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 54 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687329 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $11039.33 | $14435.81 | 6.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 |  | X | $32214.48 | $8543.28 |  |  |  |  |  |  |  |  | 20251023 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686232 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8074.70 | $9790.13 | 20251226 | 7.136% | $4752.11 | $6377.24 | 6.99% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6438.76 | 1 |  | X | $14260.56 | $2925.00 | XXXX | TX | $193.00 |  | Monthly | 49.76% |  | 49.76% | 20251210 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 55% |  |  |  | [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2020;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2020;<br> [Borrower - Primary Income - Bank Statements] Other - 08/2020;<br> [Borrower - Primary Income - Bank Statements] Other - 04/2021;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025 - 12 MONTHS ;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $8074.70 |  |  | 0 |  |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686234 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17195.00 | $18497.00 | 20251224 | 0.00% | $2216.58 | $3007.92 | 6.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5795.22 | 1 |  | X | $4662.00 | $418.08 | XXXX | NV | $368.00 | 20260101 | Monthly | 45.824% |  | 45.824% | 20251211 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/1989;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 0/2016;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $17195.00 |  |  | 0 |  |  | No |  | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686235 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3190.39 | $3767.56 | 7.13% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3636.72 | $3289.32 |  |  |  |  |  |  |  |  | 20251211 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 5000 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.39 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 101 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686238 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13330.50 | $14302.47 | 20251231 | 7.183% | $2205.18 | $2946.78 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $18894.80 | 1 |  | X | $6930.24 | $1128.96 | XXXX | TX | $70.00 | 20260201 | Monthly | 24.031% |  | 24.031% | 20251211 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 114 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687334 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2997.52 | $4192.82 | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 5 |  | X | $8918.52 | $5425.08 |  |  |  |  |  |  |  |  | 20251215 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.27 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 9001 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 24.81 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686301 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $29001.00 | $32758.67 | 20260108 | 0.00% | $3096.95 | $3827.70 | 6.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4372.79 | 1 |  | X | $6525.00 | $1548.00 | XXXX | WA | $58.00 |  | Monthly | 47.134% |  | 47.134% | 20260107 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/5/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2025 - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $29001.00 |  |  | -248.1 |  |  | No |  | N/A | 5.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3828 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687336 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3107.49 | $3491.79 | 7.13% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3898.56 | $713.04 |  |  |  |  |  |  |  |  | 20251118 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686239 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14562.50 | $15062.82 | 20251229 | 7.783% | $3922.59 | $5839.76 | 7.50% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $20242.82 | 1 |  | AE | $8984.88 | $14021.16 |  |  |  |  |  | 29.318% |  | 29.318% | 20251215 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70% | 100% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 - 12 Months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 04/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 09/2021;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 - 12 Months;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20261201 |  | $0.00 |  |  | 575 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686240 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1247.53 | $1652.64 | 7.38% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | -$3692.00 | 1 |  | X | $2811.36 | $2049.96 |  |  |  |  |  |  |  |  | 20251117 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 1137.5 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 5960 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 89 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687337 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5492.25 | $5971.30 | 20260122 | 0.00% | $1097.07 | $1490.08 | 6.88% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $2691.07 | 1 |  | X | $3549.12 | $1167.00 |  |  |  |  |  | 43.455% |  | 43.455% | 20251222 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Primary Income - Wages] VVOE - 1/2026;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025; | [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024; | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full | 1490 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686241 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11899.41 | $13507.89 | 20251231 | 0.00% | $4220.51 | $5300.82 | 7.13% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $8543.42 | 1 |  | X | $6598.68 | $5717.04 | XXXX | CO | $648.00 |  | Annually | 39.02% |  | 39.02% | 20251117 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-12/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Other - 2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $11899.41 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Increasing |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687340 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10143.24 | $11898.97 | 20260113 | 0.00% | $2259.78 | $2921.28 | 8.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10642.42 | 1 |  | X | $4176.00 | $3495.96 |  |  |  |  |  | 26.638% |  | 26.638% | 20251215 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024 - 10/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $10143.24 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687341 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12540.78 | $15439.38 | 20260112 | 0.00% | $3582.69 | $4685.44 | 7.00% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7850.36 | 1 |  | X | $11106.24 | $2126.76 |  |  |  |  |  | 45.323% |  | 45.323% | 20251211 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] SS Award Letter - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 09/1981;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025 - 12 MONTHS ;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025 - 12 MONTHS ;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $12540.78 |  |  | 0 |  |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687663 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10309.10 | $11722.64 | 20260116 | 0.00% | $2157.81 | $3136.35 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7397.44 | 1 |  | C | $9153.48 | $2484.96 |  |  |  |  |  | 48.772% |  | 48.772% | 20251215 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 01/2025-12/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $10309.10 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687342 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1167.22 | $2050.53 | 7.13% | Yes | Yes | Retired | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $11149.30 | 1 |  | X | $2918.64 | $1381.08 | XXXX | SC | $525.00 |  | Monthly | 25.522% |  |  | 20251125 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] 1099 - 2024;<br> [Borrower - Primary Income - Retirement] 1099 - 2023;<br> [Borrower - Primary Income - Retirement] Pension Letter - 10/2025;<br> [Borrower - Primary Income - Retirement] VVOE - 01/2026; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | 0 |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687343 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $26770.00 | $31550.13 | 20260109 | 0.00% | $8003.89 | $10588.14 | 6.63% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $11218.72 | 1 |  | X | $16938.96 | $10772.04 | XXXX | AZ | $275.00 |  | Monthly | 48.908% | 48.908 |  | 20251215 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% | 50% |  | [Borrower - Primary Income - Sole Proprietor] VVOE - 12/2025;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Personal - 2024;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 09/2017;<br> [Borrower - Primary Income - Sole Proprietor] P&L Statement - 01/2025 - 10/2025 - 10 MONTHS;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] P&L Statement - 01/2025 - 10/2025 - 10 MONTHS; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Borrower] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2024;<br> [Borrower] 4506 or 4506T - 12/2025; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $26770.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 2 | 0 | 0 | 4 | 0 | 0 | 24 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686243 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2734.12 | $3590.93 | 7.00% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $5687.64 | $1174.08 | XXXX | NV | $285.00 |  | Monthly |  |  |  | 20251210 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | -8200 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  | No | Fee Simple | Corporation | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687345 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5461.99 | $6555.88 | 20260112 | 7.513% | $1266.59 | $1580.90 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4566.10 | 1 |  | X | $3216.72 | $555.00 |  |  |  |  |  | 28.877% |  | 28.877% | 20251205 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2023 - 11/2025 - 24 MONTHS ;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025 ;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026 ; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | -3760 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 59 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687346 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1571.73 | $2393.83 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $5389.56 | $1475.64 | XXXX | FL | $250.00 |  | Monthly |  |  |  | 20251209 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687347 | XXXX | XXXX | Non-QM | XXXX | Yes | No |  | $22016.52 | 20260122 | 8.214% | $8936.40 | $13792.84 | 8.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $17519.63 | 1 |  | X | $43802.52 | $13206.72 | XXXX | TX | $1268.04 | 20260201 | Annually | 48.402% |  | 48.402% | 20251119 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2025-12/2025 - 12 Month;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $20079.86 |  |  | 20079.86 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 53 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687349 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1945.00 | $4032.00 | 20260108 | 0.00% | $2021.16 | $2559.12 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $19437.90 | 1 |  | X | $3077.52 | $738.00 | XXXX | ID | $220.00 |  | Monthly | 13.781% |  | 13.781% | 20251216 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025 - 11/2025 - 11 MONTHS ;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2024;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2023;<br> [Borrower - Primary Income - Bank Statements] Paystubs - 10/2025 ;<br> [Borrower - Primary Income - Bank Statements] Other - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $1945.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 289 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687350 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $23145.00 | $25792.63 | 20260115 | 7.053% | $5513.08 | $6811.73 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $24993.09 | 1 |  | X | $6579.48 | $9004.32 |  |  |  |  |  | 25.629% |  | 25.629% | 20251215 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 6/2020;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 5/2008;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 5/2008;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 5/2008;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $23145.00 |  |  | 2443.75 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687351 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12982.20 | $14916.33 | 20260116 | 7.499% | $2765.01 | $3091.26 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5498.74 | 1 |  | X | $2342.04 | $1572.96 |  |  |  |  |  | 36.246% |  | 36.246% | 20251216 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 09/2013;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 02/2025-11/2025 10 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $12982.20 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2688 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687352 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $6041.32 | $8200.22 | 20250112 | 0.00% | $2367.03 | $2699.82 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3714.60 | 1 |  | X | $2797.44 | $1196.04 |  |  |  |  |  | 47.131% | 47.131 |  | 20251217 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] VVOE - 01/2026;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 01/2026-84 months;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2023; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | -852.5 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687353 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8992.20 | $9974.93 | 20260116 | 0.00% | $2619.29 | $3527.70 | 8.00% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $7268.57 | 1 |  | X | $4635.96 | $6165.00 | XXXX | LA | $99.96 | 20270101 | Annually | 48.396% |  | 48.396% | 20251211 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $8992.20 |  |  | -3500 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 25 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687354 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1817.56 | $2573.12 | 7.13% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | AE | $2058.00 | $7008.72 |  |  |  |  |  |  |  |  | 20251203 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686247 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1719.49 | $2583.68 | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $25482.15 | 1 |  | X | $3274.20 | $436.08 | XXXX | MA | $555.00 | 20260201 | Monthly | 24.354% |  |  | 20251112 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025- 12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2025-12/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Other - 07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement | 3238 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687356 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1547.01 | $2001.89 | 7.50% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | -$333.00 | 2 |  | X | $3358.56 | $2100.00 |  |  |  |  |  |  |  |  | 20251217 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.65 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686248 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $671.02 | $830.52 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1026.00 | $888.00 |  |  |  |  |  |  |  |  | 20251217 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.32 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 107 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687357 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $6848.04 | $7448.46 | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11624.37 | 1 |  | X | $6048.96 | $1156.08 |  |  |  |  |  | 40.116% |  |  | 20251027 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Borrower Prepared | [Borrower - Primary Income - Partnership] K-1 - 2024;<br> [Borrower - Primary Income - Partnership] W-2 - 2024;<br> [Borrower - Primary Income - Partnership] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - Partnership] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - Partnership] VVOE - 1/2026;<br> [Borrower - Primary Income - Partnership] P&L Statement - 1/2025 - 12/2025;<br> [Borrower - Primary Income - Partnership] W-2 Transcript - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 2024; | [Borrower] Transcripts - 2024;<br> [Borrower] 1040 - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 1 | 0 | 0 | 2 | 0 | 1 | 0 | 0 | 24 | No |  |  | No | Fee Simple | Individual(s) | ALTDOC | 20036 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 131 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687610 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5773.68 | $5911.98 | 20260130 | 7.48% | $954.61 | $1137.00 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $1971.28 | 1 |  | X | $617.64 | $1571.04 |  |  |  |  |  | 48.722% |  | 48.722% | 20260127 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 01/2024-12/2025 24 months ;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 03/19/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $5773.68 |  |  | 5000 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687359 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4202.21 | $5247.49 | 7.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | X | $3962.04 | $8581.32 |  |  |  |  |  |  |  |  | 20251204 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687360 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $14512.00 | $17115.68 | 20260115 | 0.00% | $5721.02 | $6698.28 | 7.00% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $11554.66 | 1 |  | X | $8723.04 | $2893.08 | XXXX | FL | $111.00 |  | Annually | 48.739% | 48.739 |  | 20251028 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025 - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 01/2026;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 12/2025 - 36 months; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $14512.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687361 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $892.36 | $2103.16 | 7.13% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | VE | $2780.52 | $589.08 | XXXX | SC | $930.00 |  | Monthly |  |  |  | 20251218 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.51 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 45 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687363 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6659.35 | $8446.50 | 20260114 | 0.00% | $1396.99 | $1912.29 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4069.59 | 1 |  | X | $3737.52 | $2446.08 |  |  |  |  |  | 33.153% |  | 33.153% | 20251208 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $6659.35 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686251 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $16718.69 | $21719.99 | 20260105 | 7.33% | $4497.50 | $5280.42 | 7.00% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $84514.68 | 1 |  | X | $5885.04 | $1638.00 | XXXX | WA | $156.00 | 20260201 | Monthly | 11.964% | 11.964 |  | 20251212 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Retirement] Award Letter / Continuance Letter - 08/2025;<br> [Borrower - Non-Primary Income - Retirement] Secretary of State (SOS) - 12/2025;<br> [Borrower - Non-Primary Income - Retirement] Other - 06/2025;<br> [Borrower - Non-Primary Income - Retirement] Bank Statements - Business - 01/2024 - 12/2024 - 12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20261201 |  | $16718.69 |  |  | -4873.69 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687366 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $8243.93 | $10665.04 | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $102009.10 | 1 |  | X | $8326.32 | $2735.04 | XXXX | CO | $17991.96 |  | Annually | 13.029% |  |  | 20251208 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 96.5% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2025-12/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 1/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | -1000 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 38 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686252 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $6797.08 | $9872.57 | 8.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $186842.44 | 1 |  | X | $18771.48 | $18134.40 |  |  |  |  |  | 3.879% |  |  | 20251106 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-11/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 2500 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 115 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687368 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $802.35 | $1076.15 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2965.00 | 1 |  | X | $1130.64 | $2154.96 |  |  |  |  |  |  |  |  | 20251124 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.3 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687370 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7158.95 | $7934.77 | 20260106 | 0.00% | $1173.80 | $1380.68 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4974.90 | 1 |  | X | $743.52 | $1739.04 |  |  |  |  |  | 43.688% |  | 43.688% | 20251222 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 12/2024 - 11/2025 - 12 Months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 4/2021; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $7158.95 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 59 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686253 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12850.00 | $17290.12 | 20260102 | 0.00% | $2640.98 | $3210.83 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7776.67 | 1 |  | X | $4773.12 | $1069.08 | XXXX | NV | $83.00 |  | Monthly | 34.182% |  | 34.182% | 20251027 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 10/2024;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 11/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687373 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1221.41 | $2024.64 | 6.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $7532.16 | $2106.60 |  |  |  |  |  |  |  |  | 20251222 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 90 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687375 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21723.16 | $22875.16 | 20260130 | 0.00% | $5160.20 | $7536.77 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $14591.49 | 1 |  | X | $18404.76 | $3214.08 | XXXX | VT | $6900.00 |  | Annually | 43.058% |  | 43.058% | 20251218 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $21723.16 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2243 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 44 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687376 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $919.23 | $1322.04 | 7.25% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | C | $3989.40 | $844.32 |  |  |  |  |  |  |  |  | 20251223 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | -2624.93 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.91 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 95 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687377 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12457.71 | $15504.67 | 20260115 | 0.00% | $3481.22 | $3689.45 | 7.88% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $5513.56 | 1 |  | X | $1234.68 | $592.08 | XXXX | NV | $56.00 |  | Monthly | 45.626% |  | 45.626% | 20251222 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% |  | 100% |  | [Borrower - Primary Income - Wages] Work Number - 1/2/2026-24 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 1/8/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 1/6/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 1/2025-12/2025-12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/3/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 1/8/2026; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687378 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $3070.00 | $4548.94 | 20260109 | 0.00% | $2273.10 | $2736.14 | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $18731.01 | 1 |  | X | $2114.40 | $3442.08 |  |  |  |  |  | 13.702% |  | 13.702% | 20251110 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2014;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $3070.00 |  |  | -1000 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | Line |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Declining |  |  |  |  |  | 136 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687379 | XXXX | XXXX | Higher Priced QM (APOR) | XXXX | Yes | No | $6047.17 | $7943.86 | 20260115 | 7.993% | $2539.32 | $2909.68 | 7.75% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $4441.32 | 1 |  | X | $2757.84 | $1686.48 |  |  |  |  |  | 48.297% | 48.297 |  | 20251029 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 16% | 100% |  | [Borrower - Primary Income - Partnership] K-1 - 2024;<br> [Borrower - Primary Income - Partnership] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - Partnership] Telephone Listing / Internet Search / Directory Assistance - 1/2026;<br> [Borrower - Primary Income - Partnership] Paystubs - 10/2025 - 11/2025;<br> [Borrower - Primary Income - Partnership] Employer Letter - 1/2026;<br> [Borrower - Primary Income - Partnership] CPA Letter - 1/2026;<br> [Borrower - Primary Income - Partnership] Paystubs - 12/2025;<br> [Borrower - Primary Income - Partnership] P&L Statement - 12/2025;<br> [Borrower - Primary Income - Partnership] VVOE - 1/2026;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Tax Returns – Business - 2024;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] CPA Letter - 01/2026;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] P&L Statement - 11/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] VVOE - 01/2026; | [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $6047.17 |  |  | 6911 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 2 | 0 | 2 | 0 | 0 | 24 | No |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687381 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1763.24 | $2196.56 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $3973.80 | $1226.04 |  |  |  |  |  |  |  |  | 20251219 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.71 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 12283 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 57 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687382 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2142.42 | $3586.03 | 7.13% | Yes | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $7416.65 | 1 |  | X | $7813.80 | $1433.52 | XXXX | CA | $673.00 |  | Monthly | 38.251% |  |  | 20251223 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Third Party Verification - 10/27/2025;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 8/9/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 11/1/2025-12/31/2025;<br> [Borrower - Primary Income - Retirement] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - Retirement] Tax Returns – Business - 2024; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 2 | 0 | 2 | 0 | 0 | 0 | No | 0 |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 196 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686254 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2275.44 | $4956.25 | 6.50% | Yes | Yes | Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $35723.50 | 1 |  | VE | $8662.56 | $1655.16 | XXXX | FL | $1821.00 |  | Monthly | 14.153% |  |  | 20251217 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2025 - 11/2025;<br> [Borrower - Primary Income - Wages] VVOE - 1/2026;<br> [Borrower - Primary Income - Wages] Work Number - 1/2026 - 36 MONTHS;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.5 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | 0 |  | No | Fee Simple | Individual(s) | Full | 10390 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 247 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687384 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17157.50 | $18575.76 | 20260116 | 0.00% | $3692.06 | $5326.62 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $21548.58 | 1 |  | X | $14092.68 | $5222.04 | XXXX | NE | $300.00 |  | Annually | 24.312% |  | 24.312% | 20251229 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $17157.50 |  |  | -7076.25 |  |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 6442 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687385 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $814.45 | $1537.62 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 |  | X | $971.04 | $3207.00 |  |  |  |  |  |  |  |  | 20251219 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.85 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 35 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1686255 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3216.80 | $4502.22 | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $11477.76 | $347.28 | XXXX | UT | $300.00 | 20260201 | Monthly |  |  |  | 20251022 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20251201 |  | $0.00 |  |  | -31.25 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  |  | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687387 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14797.54 | $16974.28 | 20260112 | 0.00% | $2869.00 | $3631.05 | 6.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $18263.41 | 1 |  | X | $7687.56 | $1457.04 |  |  |  |  |  | 20.826% |  | 20.826% | 20251104 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 40% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025 - 12 Months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026;<br> [Borrower - Non-Primary Income - Bank Statements] Business License/Validation - 4/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 25 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687388 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6618.40 | $7757.50 | 20260123 | 0.00% | $1255.77 | $1684.25 | 8.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $1711.19 | 1 |  | X | $2815.80 | $2325.96 |  |  |  |  |  | 49.986% |  | 49.986% | 20251201 | 601 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Borrower Prepared | [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] Work Number - 01/2026;<br> [Borrower - Primary Income - S-Corp] VVOE - 01/2026;<br> [Borrower - Primary Income - Partnership] P&L Statement - 01/2026 12 months; | [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2024;<br> [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2023;<br> [Borrower] 1084 or income worksheet - 2023-2024;<br> [Borrower] 4506 or 4506T - 2024;<br> [Borrower] 4506 or 4506T - 2023; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.75 | 0 | 0 | 0 | 2 | 0 | 2 | 0 | 0 | 12 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 49 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687389 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $7485.51 | $9554.56 | 6.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 10 |  | X | $18687.48 | $6141.12 |  |  |  |  |  |  |  |  | 20251222 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687568 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12850.48 | $13503.53 | 20260130 | 7.755% | $3894.01 | $5053.76 | 7.50% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $8531.57 | 1 |  | X | $11181.00 | $2136.00 | XXXX | TX | $600.00 | 20270101 | Annually | 43.531% |  | 43.531% | 20251229 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% | 50% |  | [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025- 12 mo;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 01/2025-12/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $12850.48 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687393 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1957.93 | $2569.14 | 7.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $4925.28 | $861.24 | XXXX | CA | $129.00 |  | Monthly |  |  |  | 20251229 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 | 1.1 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687395 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $10595.00 | $14268.59 | 20260115 | 0.00% | $3031.73 | $3870.84 | 7.13% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $7370.22 | 1 |  | X | $6662.76 | $3406.56 |  |  |  |  |  | 45.998% | 45.998 |  | 20251219 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 11/2025-12/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 12/2025;<br> [Borrower - Primary Income - Wages] VVOE - 1/2026; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $10595.00 |  |  | -1125 |  |  | No |  | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687397 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5297.48 | $6521.76 | 20260116 | 7.847% | $1383.98 | $1848.09 | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $35015.27 | 1 |  | X | $3060.72 | $2508.60 |  |  |  |  |  | 14.599% |  | 14.599% | 20251229 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025 ;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 1/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 6083.68 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4137 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 120 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687400 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11759.91 | $13116.29 | 20260128 | 0.00% | $2790.65 | $3236.45 | 8.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9076.29 | 1 |  | X | $4360.56 | $989.04 |  |  |  |  |  | 28.638% |  | 28.638% | 20251231 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 95% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024 - 11/2025 - 12 Months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 01/2022;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $11759.91 |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687401 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1746.24 | $1934.90 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | X | $1343.88 | $920.04 |  |  |  |  |  |  |  |  | 20251230 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.22 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 127 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687403 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11502.77 | $12295.49 | 20260126 | 8.421% | $2306.88 | $2477.32 | 8.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7639.12 | 1 |  | X | $1101.24 | $944.04 |  |  |  |  |  | 34.784% |  | 34.784% | 20251231 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Wages] WVOE - 01/2026;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 11/2025 12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025 - 12/2025 - 12 months ;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Wages] VVOE - 01/2026;<br> [Borrower - Primary Income - Wages] W-2 - 2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $11502.77 |  |  | 0 |  |  | No |  | N/A | 7.999 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 8.22 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687405 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13908.54 | $15391.19 | 20260120 | 0.00% | $3016.08 | $3952.28 | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7248.00 | 1 |  | X | $9189.60 | $2044.80 |  |  |  |  |  | 39.125% |  | 39.125% | 20251224 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 11/2025-12/2025 2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $13908.54 |  |  | -829.95 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 386 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687406 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2467.07 | $2886.43 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $3611.28 | $1421.04 |  |  |  |  |  |  |  |  | 20251115 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.26 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687408 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1032.04 | $1836.99 | 7.50% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $2956.32 | $6703.08 |  |  |  |  |  |  |  |  | 20260105 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.52 |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687410 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9168.90 | $10383.07 | 20260123 | 0.00% | $3276.14 | $4329.50 | 7.00% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6778.87 | 1 |  | X | $7581.24 | $5059.08 |  |  |  |  |  | 49.22% |  | 49.22% | 20260114 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 70% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 1/2026 - 13 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 1/2025 - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 10/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 1/2026 ;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 1/2025 - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 1/2026 - 13 MONTHS;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 1/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5786 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687413 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15122.06 | $15883.00 | 20260122 | 0.00% | $3999.59 | $4620.09 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $17276.39 | 1 |  | X | $5472.00 | $1974.00 |  |  |  |  |  | 32.083% |  | 32.083% | 20260105 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 60% | 85% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Work Number - 1/2016-45 mo;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2016; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.699 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687416 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $7432.66 | $8015.46 | 20260129 | 0.00% | $1956.60 | $2556.12 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3643.30 | 1 |  | X | $4505.16 | $1789.08 | XXXX | MD | $900.00 | 20260201 | Annually | 46.739% | 46.739 |  | 20260109 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Wages] Paystubs - 1/2026;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2025;<br> [Borrower - Primary Income - Sole Proprietor] 1099 - 2024;<br> [Borrower - Primary Income - Sole Proprietor] 1099 - 2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] WVOE - 1/2026 - 46 months; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687417 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $22537.87 | $23593.19 | 20260126 | 0.00% | $5114.00 | $6664.88 | 7.00% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $9504.20 | 1 |  | X | $15975.48 | $2635.08 |  |  |  |  |  | 45.031% |  | 45.031% | 20251223 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 50% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 1/2022;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2024 - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 1/2019;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 1/2024 - 12/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 1/2019;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 1/2022;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 1/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $22537.87 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 8953 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 129.38 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687484 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $680.20 | $862.17 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1026.00 | $1157.64 |  |  |  |  |  |  |  |  | 20260106 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.28 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 862 | FICO Risk Score Classic 04 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 106 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687422 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15895.61 | $16490.31 | 20260130 | 0.00% | $3095.02 | $4035.19 | 6.38% | No | No | Self-Employed | Self-Employed | Self-Employed |  |  | 2005-03-05T00:00:00 |  | No | No | No |  |  |  |  | $15586.01 | 1 |  | AE | $4671.00 | $6611.04 |  |  |  |  |  | 39.286% |  | 39.286% | 20251224 | 782 | 782 | 773 | 791 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  | Stated, level 3 Verified |  |  | No | Yes | 12 | Business | 20% | 100% | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025 - 12/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 01/2025 - 12/2025 - 12 Months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Co Borrower 2 - Primary Income - Bank Statements] Bank Statements - Business - 01/2025 - 12/2025 - 12 months;<br> [Co Borrower 2 - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Co Borrower 2 - Primary Income - Bank Statements] Business License/Validation - 01/2026;<br> [Co Borrower 2 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Co Borrower 2 - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Co Borrower 2 - Primary Income - Bank Statements] Other - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $15895.61 |  |  | 0 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 332 |  | No |  | FALSE | 782 |  |  |  |  |  |  |
| 1687425 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $16277.00 | $17517.61 | 20260129 | 0.00% | $4858.38 | $5681.14 | 8.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $14489.26 | 1 |  | X | $7490.16 | $2382.96 |  |  |  |  |  | 37.034% |  | 37.034% | 20251215 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2025-12/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 1/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | 20260101 |  | $16277.00 |  |  | 0 |  |  | No |  | N/A | 8.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687426 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1644.01 | $18468.11 | 20260123 | 0.00% | $4726.34 | $6338.82 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12416.80 | 1 |  | X | $13909.80 | $2115.96 | XXXX | FL | $277.00 |  | Monthly | 41.191% |  | 41.191% | 20260107 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 10 | Business | 65% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 3/2025-12/2025 10 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 1/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 10/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 1/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $1644.01 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 27 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687427 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $8911.05 | $10082.80 | 20260129 | 0.00% | $3041.61 | $3538.72 | 6.63% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6606.32 | 1 |  | X | $3679.32 | $1806.00 | XXXX | NC | $480.00 |  | Annually | 38.489% | 38.489 |  | 20260114 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Other - 07/2022;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 1/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2024;<br> [Co Borrower 1 - Primary Income - Wages] Other - 07/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 01/2026;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $8911.05 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 6621 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 58 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687428 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1048.85 | $1680.94 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2876.04 | $269.04 | XXXX | MD | $370.00 |  | Monthly |  |  |  | 20260106 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.29 |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 161 |  | No |  | FALSE |  |  |  |  |  |  |  |
| 1687429 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $31515.00 | $33287.08 | 20260129 | 7.702% | $7376.41 | $8278.53 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $60163.22 | 1 |  | X | $7450.44 | $3375.00 |  |  |  |  |  | 12.141% |  | 12.141% | 20260112 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 01/2025-12/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | 20260101 |  | $31515.00 |  |  | -21360 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1663 | Equifax Beacon 5 | XXXX |  |  | XXXXXXX |  |  |  | Stable |  |  |  |  |  | 12.02 |  | No |  | FALSE |  |  |  |  |  |  |  |

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## Exhibit 99.08

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 7**

![](evolve-logo.jpg)

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| |
|:---|
| **Business Purpose Data** |
| **Run Date - 02/23/2026 6:24:02 AM** |

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| **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** |
| 1687455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20250804 | Debt Service Coverage | Yes | No | $0.00 | $2850.00 |  | 1025 | No |  | 0 |  |  | 2850 | 1.41 | 1.41 | $2027.94 |  |  |  | Yes | $25000.00 |  | NO | $0.00 | $199.48 | $119.04 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 2 | 5 | US Citizen |  | 746 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 770 | 706 | 746 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687456 | XXXXXXXXXXX | XXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20250804 | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 1.38 | 1.38 | $1818.03 |  |  |  | Yes | $32000.00 |  | NO | $0.00 | $185.75 | $135.61 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 27 | 5 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C1 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20250804 | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1 | 1 | $2191.68 |  |  |  | Yes | $26400.00 |  | NO | $0.00 | $556.48 | $188.31 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 86 | 2 | US Citizen |  | 707 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 707 | 710 | 699 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20250804 | Debt Service Coverage | Yes | No | $0.00 | $2900.00 |  | 1025 | No |  | 0 |  |  | 2900 | 1.31 | 1.31 | $2215.54 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $646.36 | $70.92 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 45 | 7 | US Citizen |  | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 780 | 796 | 788 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251001 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Other | 13667 |  |  | 10250 | 1.39 | 1.39 | $7384.51 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $269.00 | $273.19 | Stated, Verified | NO | 3 | 3 |  | No | No | Experienced | 13 | 16 | US Citizen |  | 665 | 0 | 0 |  |  | 0 | 0 | 00 | 0 | 0 | 0 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 631 | 665 | 665 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1681272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251001 | Debt Service Coverage | Yes | Yes | $3175.00 | $2550.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2550 | 0.8 | 0.8 | $3173.44 | 20250930 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $391.93 | $175.94 | Stated, Verified | NO | 3 | 3 |  | No | No | Experienced | 124 | 16 | US Citizen |  | 668 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 646 | 668 | 670 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $6800.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirBNB | 7792 |  |  | 5843.25 | 1.96 | 1.96 | $2987.17 |  |  |  | Yes | $89470.00 |  | NO | $0.00 | $1230.81 | $102.43 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 79 | 22 | US Citizen |  | 702 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 667 | 711 | 702 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687251 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $2275.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2275 | 1.25 | 1.25 | $1819.37 |  |  |  | Yes | $35810.00 |  | NO | $0.00 | $201.44 | $143.34 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 32 | 2 | US Citizen | US Citizen | 785 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 755 | 767 | 767 | XXXX | XXXX |  | US Citizen | Stated, Verified | 786 | 785 | 739 | Not Required | Not Required | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C2 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $9911.00 | $9911.00 | Other | Leases | No |  | 0 |  |  | 9251.92 | 1.86 | 1.86 | $4974.30 | 20251231 | 12 | No | No |  |  | NO | $0.00 | $1095.83 | $491.09 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 95 | 4 | US Citizen |  | 727 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 737 | 727 | 725 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687254 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $3640.00 | $4740.00 |  | Leases | No |  | 0 |  |  | 3640 | 1.06 | 1.06 | $3437.73 | 20260301 | 12 | No | Yes | $56000.00 |  | NO | $0.00 | $551.60 | $153.90 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 33 | 2 | US Citizen | US Citizen | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 783 | 772 | 767 | XXXX | XXXX |  | US Citizen | Stated, Verified | 769 | 771 | 786 | Employed | Employed | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1684911 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20251101 | Debt Service Coverage | Yes | No | $0.00 | $2450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2450 | 1.44 | 1.44 | $1705.51 |  |  |  | Yes | $57200.00 |  | YES | $23.67 | $341.23 | $197.13 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 19 | 3 | US Citizen |  | 776 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687255 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $6800.00 | $8500.00 | Other | Leases | No |  | 0 |  |  | 7146.25 | 1.31 | 1.31 | $5437.82 | 20260731 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $951.23 | $517.17 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 9 | 1 | Permanent Resident Alien |  | 799 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXX |  | Permanent Resident Alien | Stated, Verified | 782 | 799 | 801 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686033 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $3245.00 | $3900.00 | Other | Leases | No |  | 0 |  |  | 2434 | 1.17 | 1.17 | $2077.89 | 20260801 | 12 | Yes | Yes | $20000.00 |  | NO | $0.00 | $231.24 | $282.64 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 106 | 2 | US Citizen |  | 724 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Full | Yes | No | $0.00 | $7400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 4.086 |  | 0 |  |  | $10118.73 |  |  |  | No |  |  | YES | $3200.00 | $2275.66 | $121.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 53 | 6 | US Citizen |  | 775 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 776 | 738 | 775 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C2 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687259 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $5713.00 | $6400.00 | Other | Leases | No |  | 0 |  |  | 5713 | 2.16 | 2.16 | $2645.08 | 20260331 | 12 | No | Yes | $34278.00 |  | NO | $0.00 | $314.00 | $307.77 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 9 | 0.5 | US Citizen |  | 738 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Bank Statement | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 3614 | 1.894 |  | 0 |  |  | $10336.94 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $173.75 | $252.00 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 174 | 12 | US Citizen | US Citizen | 763 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 763 | 717 | 765 | XXXX | XXXX |  | US Citizen | Stated, Verified | 731 | 729 | 780 | Employed | Unemployed | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687261 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $6200.00 | $0.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 6200 | 1.23 | 1.23 | $5028.36 | 20250731 | 12 | Yes | Yes | $74400.00 |  | NO | $0.00 | $506.04 | $364.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 26 | 9 | US Citizen |  | 776 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 786 | 747 | 776 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $5788.00 | $6850.00 | Other | Leases | No |  | 0 |  |  | 5382.84 | 1.73 | 1.73 | $3102.71 | 20260731 | 12 | No | Yes | $84000.00 |  | NO | $0.00 | $494.20 | $338.42 | Stated, Verified | NO | 1 | 12 |  | No | No | Experienced | 972 | 4 | US Citizen | US Citizen | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 778 | 794 | 793 | XXXX | XXXX |  | US Citizen | Stated, Verified | 770 | 789 | 793 | Not Required | Not Required | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687263 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $15583.00 | $16785.00 | Other | Leases | No |  | 0 |  |  | 14922.02 | 1.55 | 1.55 | $9602.30 | 20260901 | 12 |  | Yes | $195252.00 |  | NO | $0.00 | $2181.69 | $939.94 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 85 | 18 | US Citizen |  | 758 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 758 | 752 | 769 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687265 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $2625.00 | $2600.00 |  | 1025 | No |  | 0 |  |  | 2600 | 1.24 | 1.24 | $2089.76 | 20260630 | 12 |  | Yes | $16200.00 |  | NO | $0.00 | $322.34 | $106.58 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 44 | 5 | US Citizen |  | 694 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $1850.00 | $1850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1850 | 1.1 | 1.1 | $1679.07 | 20270101 | 12 |  | Yes | $62000.00 |  | NO | $0.00 | $169.63 | $160.84 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 62 | 3 | US Citizen |  | 746 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 797 | 746 | 699 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | Yes | $3500.00 | $3250.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3500 | 1.07 | 1.07 | $3266.80 | 20271231 | 24 |  | Yes | $42000.00 |  | NO | $0.00 | $72.84 | $291.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 8 | 2 | US Citizen |  | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 762 | 772 | 791 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $2250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2250 | 1.21 | 1.21 | $1859.66 |  |  |  | Yes | $21890.00 |  | YES | $14.25 | $150.38 | $71.17 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 79 | 8 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1687832 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | Yes | $2125.00 | $2150.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2125 | 0.79 | 0.79 | $2691.45 | 20261114 | 12 | No | Yes | $12750.00 |  | NO | $0.00 | $294.15 | $152.50 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 58 | 17 | US Citizen |  | 769 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 769 | 802 | 768 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $1995.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1850 | 1.05 | 1.05 | $1763.99 |  |  |  | Yes | $23700.00 |  | NO | $0.00 | $271.18 | $78.09 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 102 | 8 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| 1687269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $9165.00 | $0.00 | Other | Other | No |  | 0 |  |  | 7098.5 | 1.58 | 1.58 | $4506.60 | 20261101 | 12 | No | Yes | $54990.00 |  | NO | $0.00 | $897.00 | $726.33 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 30 | 14 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 757 | 797 | 793 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686113 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Full | Yes | Yes | $1523.00 | $1600.00 | FNMA 1007/216 | Leases | No |  | 0 | 35.687 |  | 0 | 0 | 0 | $1072.94 | 20260228 | 12 | No | Yes | $42800.00 |  | NO | $0.00 | $101.80 | $98.50 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 109 | 0.9 | US Citizen |  | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | Yes | $5500.00 | $5500.00 |  | 1025 | No |  | 0 |  |  | 5500 | 1.41 | 1.41 | $3898.44 | 20260801 | 12 |  | Yes | $65400.00 |  | NO | $0.00 | $502.25 | $229.42 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 9 | 2 | US Citizen |  | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 762 | 772 | 791 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | Yes | $1995.00 | $1950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1950 | 1.01 | 1.01 | $1922.20 | 20261130 | 12 | No | Yes | $23940.00 |  | NO | $0.00 | $227.01 | $161.92 | Stated, Verified | NO | 2 | 6 |  | No | No | Experienced | 13 | 2 | US Citizen |  | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 762 | 772 | 791 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Full | Yes | No | $0.00 | $8950.00 |  | 1025 | No |  | 0 | 16.248 |  | 0 |  |  | $10495.11 |  |  |  | Yes | $60000.00 |  | NO | $0.00 | $2025.82 | $398.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 51 | 3 | US Citizen |  | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 788 | 781 | 780 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687275 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $6500.00 | $0.00 | Other | Leases | No |  | 0 |  |  | 6017.83 | 1.39 | 1.39 | $4324.56 | 20260701 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $825.25 | $158.09 | Stated, Verified | NO | 5 | 21 |  | No | No | Experienced | 23 | 2 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 667 | 745 | 754 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687276 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $1800.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.09 | 1.09 | $1377.79 | 20230831 | 12 | Yes | Yes | $19730.00 |  | NO | $0.00 | $124.08 | $82.08 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 75 | 2 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 667 | 745 | 754 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $4800.00 | $4400.00 |  | Leases | No |  | 0 |  |  | 4400 | 1.38 | 1.38 | $3186.30 | 20241101 | 12 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $286.08 | $113.09 | Stated, Verified | NO | 5 | 21 |  | No | No | Experienced | 33 | 1.2 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 667 | 745 | 754 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $1900.00 | $1725.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1725 | 1.12 | 1.12 | $1534.46 | 20210901 | 12 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $138.42 | $56.17 | Stated, Verified | NO | 5 | 21 |  | No | No | Experienced | 66 | 1 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 667 | 745 | 754 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $3200.00 | $3400.00 |  | Leases | No |  | 0 |  |  | 3200 | 1.17 | 1.17 | $2743.76 | 20220901 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $376.00 | $143.17 | Stated, Verified | NO | 4 | 4 |  | No | No | Experienced | 36 | 1 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 667 | 745 | 754 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686157 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Full | Yes | No | $0.00 | $1650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 42.475 |  | 0 | 0 | 0 | $1386.90 |  |  |  | Yes | $10000.00 |  | YES | $459.32 | $114.17 | $56.98 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 102 | 3 | US Citizen |  | 738 | 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 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $10986.00 | Other | Short Term Rental Documents | Yes | Rent O Meter | 10986 |  |  | 10986 | 1.15 | 1.15 | $9563.12 |  |  |  | Yes | $54000.00 |  | NO | $0.00 | $1542.00 | $1785.87 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 219 | 3 | US Citizen |  | 705 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXX |  | US Citizen | Stated, Verified | 705 | 699 | 716 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687282 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $10995.54 |  | Short Term Rental Documents | Yes | Rent O Meter | 10996 |  |  | 10995.54 | 1.12 | 1.12 | $9855.39 |  |  |  | Yes | $54000.00 |  | NO | $0.00 | $1992.30 | $1627.84 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 121 | 3 | US Citizen |  | 705 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXX |  | US Citizen | Stated, Verified | 705 | 699 | 716 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687286 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $5350.00 | $5350.00 | Other | Leases | No |  | 0 |  |  | 5197.5 | 1.21 | 1.21 | $4297.70 | 20261121 | 12 | No | No |  |  | NO | $0.00 | $1260.02 | $503.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 73 | 5 | US Citizen |  | 777 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 777 | 788 | 775 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | Yes | $5825.00 | $5900.00 | Other | Leases | No |  | 0 |  |  | 5408.33 | 1.74 | 1.74 | $3102.13 | 20261031 | 12 | No | Yes | $35000.00 |  | NO | $0.00 | $333.46 | $417.45 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 78 | 4 | US Citizen |  | 807 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 793 | 807 | 809 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687297 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $6200.00 | $8100.00 | Other | Leases | No |  | 0 |  |  | 5633.42 | 1.12 | 1.12 | $5033.62 | 20260530 | 1 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $614.20 | $294.17 | Stated, Verified | NO | 2 | 4 |  | No | No | Experienced | 35 | 10 | US Citizen |  | 787 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687298 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | Yes | $6325.00 | $7500.00 | Other | Leases | No |  | 0 |  |  | 5801.42 | 1.25 | 1.25 | $4626.87 | 20260525 | 12 | Yes | Yes | $134400.00 |  | NO | $0.00 | $514.33 | $247.84 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 29 | 10 | US Citizen |  | 787 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $2250.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 2.24 | 2.24 | $1117.52 | 20261201 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $115.48 | $67.75 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 109 | 8 | US Citizen |  | 707 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 707 | 711 | 698 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687300 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No | AirDNA | 2910 |  |  | 2700 | 1.33 | 1.33 | $2030.85 |  |  |  | Yes | $14000.00 |  | YES | $566.00 | $190.08 | $78.60 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 6 | 20 | US Citizen |  | 787 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686196 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 3750 |  |  | 3000 | 1.23 | 1.23 | $2447.26 |  |  |  | Yes | $23000.00 |  | YES | $927.00 | $296.55 | $77.65 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 11 | 8 | US Citizen |  | 724 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | Yes | $1271.00 | $1350.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1271 | 1.41 | 1.41 | $902.42 | 20261031 | 12 | No | Yes | $18000.00 |  | NO | $0.00 | $108.26 | $70.72 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 501 | 10 | US Citizen |  | 780 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 780 | 788 | 776 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $2700.00 | $3150.00 |  | Leases | No |  | 0 |  |  | 2700 | 1.65 | 1.65 | $1635.72 | 20260901 | 12 | No | Yes | $40000.00 |  | NO | $0.00 | $379.13 | $209.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 325 | 2 | US Citizen | US Citizen | 816 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 828 | 816 | 812 | XXXX | XXXX |  | US Citizen | Stated, Verified | 826 | 809 | 809 | Employed | Not Required | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686199 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | Yes | $3850.00 | $3450.00 |  | 1025 | No |  | 0 |  |  | 3450 | 1.2 | 1.2 | $2874.79 | 20260811 | 12 | No | Yes | $133400.00 |  | NO | $0.00 | $489.31 | $150.92 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 99 | 10 | US Citizen |  | 743 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686201 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | Yes | $2185.00 | $2185.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2185 | 1.36 | 1.36 | $1606.98 | 20260930 | 12 | No | Yes | $25820.00 |  | NO | $0.00 | $359.00 | $131.17 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 20 | 2 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 733 | 765 | 760 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687310 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $1700.00 | $1800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1700 | 1.08 | 1.08 | $1576.44 | 20260828 | 24 | No | Yes | $16847.00 |  | NO | $0.00 | $514.77 | $116.17 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 77 | 14 | US Citizen | US Citizen | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687313 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $2500.00 | $2446.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2446 | 1 | 1 | $2443.20 | 20260801 | 12 |  | Yes | $67170.00 |  | NO | $0.00 | $707.35 | $166.91 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 73 | 25 | US Citizen |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687319 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Full | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 32.618 |  | 0 |  |  | $3457.83 |  |  |  | Yes | $42400.00 |  | NO | $0.00 | $516.30 | $84.96 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 24 | 19 | US Citizen |  | 728 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Bank Statement | Yes | No | $0.00 | $1150.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 26.429 |  | 0 |  |  | $2046.96 |  |  |  | Yes |  |  | YES | $45.00 | $207.42 | $132.77 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 163 | 2 | US Citizen |  | 778 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 753 | 778 | 783 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | Yes | $2050.00 | $2025.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2050 | 1.01 | 1.01 | $2031.45 | 20261101 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $147.25 | $137.83 | Not Stated, not Verified | NO | 1 | 2 |  | No | No | Experienced | 117 | 11 | US Citizen |  | 740 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Not Stated, not Verified | 783 | 740 | 732 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687329 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $14180.00 | $14180.00 | Other | Leases | No |  | 0 |  |  | 14591 | 1.01 | 1.01 | $14435.81 | 20230101 | 1 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $2684.54 | $711.94 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 18 | 5 | US Citizen |  | 780 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686235 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | 1007/216 | 7000 |  |  | 5250 | 1.39 | 1.39 | $3767.56 |  |  |  | No |  |  | NO | $0.00 | $303.06 | $274.11 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 101 | 0.9 | US Citizen |  | 769 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $5750.00 | $6450.00 | Other | Leases | No |  | 0 |  |  | 5317.5 | 1.27 | 1.27 | $4192.82 | 20260930 | 12 | No | Yes | $77400.00 |  | NO | $0.00 | $743.21 | $452.09 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 24.81 | 15 | Permanent Resident Alien |  | 697 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 710 | 661 | 697 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $4000.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3500 | 1 | 1 | $3491.79 | 20270131 | 13 |  | Yes | $0.00 | Yes | NO | $0.00 | $324.88 | $59.42 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 20 | 9 | US Citizen | US Citizen | 735 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 755 | 735 | 728 | XXXX | XXXX |  | US Citizen | Stated, Verified | 719 | 700 | 725 | Not Required | Not Required | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686240 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $1850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1850 | 1.12 | 1.12 | $1652.64 |  |  |  | Yes | $30646.00 |  | NO | $0.00 | $234.28 | $170.83 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 89 | 3 | Permanent Resident Alien | Permanent Resident Alien | 816 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXXXXXXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687342 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Full | Yes | No | $0.00 | $2079.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 25.522 |  | 0 | 0 | 0 | $2050.53 |  |  |  | Yes | $17000.00 |  | YES | $525.00 | $243.22 | $115.09 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 17 | 33 | US Citizen | US Citizen | 763 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired | Employed | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686243 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $3600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3600 | 1 | 1 | $3590.93 |  |  |  | Yes | $58800.00 |  | YES | $285.00 | $473.97 | $97.84 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 19 | 44 | US Citizen |  | 740 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 752 | 740 | 721 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Corporation | XXXX | No |  |
| 1687346 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $2450.00 | $2250.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2450 | 1.02 | 1.02 | $2393.83 | 20260131 | 12 | No | Yes | $25430.00 |  | YES | $250.00 | $449.13 | $122.97 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 20 | 4 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C2 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687354 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 1.05 | 1.05 | $2573.12 |  |  |  | Yes | $24000.00 |  | NO | $0.00 | $171.50 | $584.06 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 9 | 3 | US Citizen | US Citizen | 732 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Bank Statement | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 24.354 |  | 0 |  |  | $2583.68 |  |  |  | Yes | $16000.00 |  | YES | $555.00 | $272.85 | $36.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 10 | 5 | US Citizen |  | 694 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 682 | 694 | 708 |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687356 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $1500.00 | $3950.00 |  | 1025 | No |  | 0 |  |  | 3300 | 1.65 | 1.65 | $2001.89 | 20260701 | 36 | No | Yes | $0.00 | Yes | NO | $0.00 | $279.88 | $175.00 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 4 | 7 | US Citizen | US Citizen | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $1100.00 | $1200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1100 | 1.32 | 1.32 | $830.52 | 20261101 | 12 | No | Yes |  |  | NO | $0.00 | $85.50 | $74.00 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 107 | 7 | US Citizen |  | 723 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 720 | 756 | 723 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C2 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687357 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | ALTDOC | Yes | No | $0.00 | $5000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 40.116 |  | 0 |  |  | $7448.46 |  |  |  | Yes | $60000.00 |  | NO | $0.00 | $504.08 | $96.34 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 131 | 34 | US Citizen |  | 784 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C2 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $5250.00 |  | 1025 | No |  | 0 |  |  | 5250 | 1 | 1 | $5247.49 |  |  |  | Yes | $48000.00 |  | NO | $0.00 | $330.17 | $715.11 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 19 | 7 | US Citizen |  | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C2 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687361 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Other | 2570 |  |  | 3166.67 | 1.51 | 1.51 | $2103.16 |  |  |  | Yes | $15000.00 |  | YES | $930.00 | $231.71 | $49.09 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 45 | 5 | US Citizen |  | 797 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687366 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Bank Statement | Yes | No | $0.00 | $5650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 13.029 |  | 0 |  |  | $10665.04 |  |  |  | Yes | $40000.00 |  | YES | $1499.33 | $693.86 | $227.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 38 | 7 | US Citizen |  | 806 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686252 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Bank Statement | Yes | No | $0.00 | $6500.00 | FNMA 1007/216 |  | No |  | 0 | 3.879 |  | 0 |  |  | $9872.57 |  |  |  | No |  |  | NO | $0.00 | $1564.29 | $1511.20 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 115 | 0 | US Citizen |  | 654 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687368 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $1400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1400 | 1.3 | 1.3 | $1076.15 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $94.22 | $179.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 28 | 2 | US Citizen |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687373 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $2200.00 | $2025.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2025 | 1 | 1 | $2024.64 | 20260331 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $627.68 | $175.55 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 90 | 1 | US Citizen |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687376 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $1200.00 | $1300.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1200 | 0.91 | 0.91 | $1322.04 | 20250601 | 1 | Yes | Yes | $24500.00 |  | NO | $0.00 | $332.45 | $70.36 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 95 | 20 | US Citizen | US Citizen | 802 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $3750.00 | $3800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3750 | 1.71 | 1.71 | $2196.56 | 20260801 | 12 | No | Yes | $52300.00 |  | NO | $0.00 | $331.15 | $102.17 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 57 | 5 | US Citizen |  | 799 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 812 | 799 | 793 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687382 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Full | Yes | No | $0.00 | $4800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 38.251 |  | 0 | 0 | 0 | $3586.03 |  |  |  | Yes | $30000.00 |  | YES | $673.00 | $651.15 | $119.46 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 196 | 28 | US Citizen |  | 748 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1686254 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Full | Yes | No | $0.00 | $6500.00 |  | FNMA 1007/216 | No | 1007/216 | 6500 | 14.153 |  | 0 | 0 | 0 | $4956.25 |  |  |  | Yes | $33000.00 |  | YES | $1821.00 | $721.88 | $137.93 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 247 | 4 | US Citizen | US Citizen | 785 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Unemployed | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $3000.00 |  | 1025 | No |  | 0 |  |  | 2850 | 1.85 | 1.85 | $1537.62 |  |  |  | Yes | $49800.00 |  | YES | $375.00 | $80.92 | $267.25 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 35 | 1 | US Citizen |  | 792 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 795 | 792 | 781 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1686255 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20251201 | Debt Service Coverage | Yes | No | $0.00 | $5800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4640 | 1.03 | 1.03 | $4502.22 |  |  |  | Yes | $50000.00 |  | YES | $300.00 | $956.48 | $28.94 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 7 | 3 | US Citizen |  | 817 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 812 | 805 | 817 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C1 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687389 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $11318.00 | $14400.00 | Other | Leases | No |  | 0 |  |  | 10614.36 | 1.11 | 1.11 | $9554.56 | 20260115 | 1 | Yes | Yes | $240000.00 |  | NO | $0.00 | $1557.29 | $511.76 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 7 | 6 | US Citizen |  | 731 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Individual | Individual | XXXXX | XXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687393 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $2595.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2595 | 1.01 | 1.01 | $2569.14 |  |  |  | Yes | $37500.00 |  | YES | $129.00 | $410.44 | $71.77 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 9 | 2 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C2 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $2370.00 | $2690.00 |  | Leases | No |  | 0 |  |  | 2370 | 1.22 | 1.22 | $1934.90 | 20261126 | 12 |  | Yes | $60000.00 |  | NO | $0.00 | $111.99 | $76.67 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 127 | 7 | US Citizen |  | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 806 | 781 | 766 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687406 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $3620.00 | $3650.00 |  | 1025 | No |  | 0 |  |  | 3650 | 1.26 | 1.26 | $2886.43 | 20260418 | 12 | No | Yes | $41900.00 |  | NO | $0.00 | $300.94 | $118.42 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 17 | 7 | US Citizen |  | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687408 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $2800.00 |  | 1025 | No |  | 0 |  |  | 2800 | 1.52 | 1.52 | $1836.99 |  |  |  | Yes | $50700.00 |  | NO | $0.00 | $246.36 | $558.59 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 14 | 4 | US Citizen | US Citizen | 804 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C4 | XXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1687484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | Yes | $1100.00 | $1250.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1100 | 1.28 | 1.28 | $862.17 | 20261204 | 12 | No | Yes | $15000.00 |  | NO | $0.00 | $85.50 | $96.47 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 106 | 7 | US Citizen |  | 723 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 720 | 756 | 723 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C2 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1687428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 20260101 | Debt Service Coverage | Yes | No | $0.00 | $2170.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2170 | 1.29 | 1.29 | $1680.94 |  |  |  | Yes | $0.00 | Yes | YES | $370.00 | $239.67 | $22.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 161 | 13 | US Citizen |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 796 | 778 | 804 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | C3 | XXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09**

![](ex9909001.jpg)

![](ex9909002.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2026-NQM3**

**February 23, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 9.0 |
| Tape Integrity Review Results Summary | 9.0 |
| Additional Loan Population Summary | 10.0 |

---

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**INFINITY BIOGRAPHY**

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

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

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

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**DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Ellington Management Group, 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 eight (8) mortgage loans that were originally reviewed in December 2025.

**(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" 0 <sup>1</sup> Mortgage Loan

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit Review" 8 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Property Review" 8 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity" 8 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 eight (8) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon 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 |  |

---

1 Eight (8) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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

![](ex9909001.jpg)

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

Infinity conducted a credit review for eight (8) 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.

The loan was originated to MoFin DSCR Loan Underwriting Guidelines - March 11 2025 (v3.12).pdf.

**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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![](ex9909001.jpg)

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for eight (8) 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 eight (8) mortgage loans. For these eight (8) 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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![](ex9909001.jpg)

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.**

A compliance review was not performed because the loans are exempt.

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

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![](ex9909001.jpg)

the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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.

8 \| P a g e

![](ex9909001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY (8 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers eight (8) mortgage loans. Infinity graded eight (8) mortgage loans as "A".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;Not Applicable | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &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;Not Applicable | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (8 MORTGAGE LOANS)**

Of the eight (8) mortgage loans reviewed, 0 (0.00%) mortgage loans had tape discrepancies across zero (0) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |

---

9 \| P a g e

![](ex9909001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY (8 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 <br> Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1979200.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1979200.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1979200.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1979200.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown | &nbsp;&nbsp;6 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$1577950.00 | &nbsp;&nbsp;79.73% |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$401250.00 | &nbsp;&nbsp;20.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1979200.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;$1465000.00 | &nbsp;&nbsp;74.02% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$514200.00 | &nbsp;&nbsp;25.98% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1979200.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1979200.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1979200.00** | &nbsp;&nbsp;**100.00%** |

---

10 \| P a g e

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| xxx | xxx | 2117026 | xxx | Texas | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2117027 | xxx | Texas | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2117024 | xxx | Ohio | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2117025 | xxx | Texas | xxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2117028 | xxx | Texas | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2117021 | xxx | Ohio | xxx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| xxx | xxx | 2117023 | xxx | Ohio | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 2117022 | xxx | Ohio | xxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 2117021 |  | xxx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing settlement statement to verify cash-out amount from below xxx Loans -<br>xxx Loan xxx - xxx xxx xxx Loan xxx - xxx xxx xxx Loan xxx - xxx xxx<br>01/05/2026 Resolved : The copy of settlement statements resolves the condition. |  |  | Single Family | xxx | xxx | xxx | Investor | Refinance | 790 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 12/31/2025 |
| xxx | xxx | 2117022 |  | xxx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of Lease agreement for the subject property as it is missing.<br>01/05/2026 Resolved: The copy of lease agreement resolves the condition. |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 790 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 12/31/2025 |
| xxx | xxx | 2117023 |  | xxx | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xxx | xxx | xxx | Investor | Cash Out | 790 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 12/31/2025 |
| xxx | xxx | 2117024 |  | xxx | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 790 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | DSCR | QC Complete | 12/31/2025 |
| xxx | xxx | 2117025 |  | xxx | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Refinance | 786 |  | XXX | 19 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 12/31/2025 |
| xxx | xxx | 2117026 |  | xxx | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 786 |  | XXX | 19 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 12/31/2025 |
| xxx | xxx | 2117027 |  | xxx | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | 786 |  | XXX | 19 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 12/31/2025 |
| xxx | xxx | 2117028 |  | xxx | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xxx | xxx | xxx | Investor | Cash Out | 786 |  | XXX | 19 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 12/31/2025 |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 2117021 |  | xxx | Ohio | xxx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | XXXX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing settlement statement to verify cash-out amount from below xxx Loans -<br>xxx Loan xxx - xxx xxx xxx Loan xxx - xxx xxx xxx Loan xxx - xxx xxx<br>01/05/2026 Resolved : The copy of settlement statements resolves the condition. | 01/05/2026 Resolved : The copy of settlement statements resolves the condition. | 01/05/2026 Resolved : The copy of settlement statements resolves the condition. |  |  | QC Complete | 12/31/2025 | 01/05/2026 | 01/05/2026 | 12/31/2025 |
| xxx | xxx | 2117022 |  | xxx | Ohio | xxx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XXXX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Lease agreement for the subject property as it is missing.<br>01/05/2026 Resolved: The copy of lease agreement resolves the condition. | 01/05/2026 Resolved: The copy of lease agreement resolves the condition. | 01/05/2026 Resolved: The copy of lease agreement resolves the condition. |  |  | QC Complete | 12/31/2025 | 01/05/2026 | 01/05/2026 | 12/31/2025 |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 2117021 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2117022 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2117023 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2117024 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2117025 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2117026 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2117027 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxx | xxx | 2117028 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 2117021 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 790 | No |  | Not Applicable | Yes | 17.13% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 41 | 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 | Unavailable | Unavailable | Unavailable | 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 | 1.23765 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |
| xxx | xxx | 2117022 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 790 | No |  | Not Applicable | Yes | 5.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 133 | 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 | Unavailable | Unavailable | Unavailable | 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 | 0.80603 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |
| xxx | xxx | 2117023 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 790 | No |  | Not Applicable | Yes | 17.13% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 113 | 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 | Unavailable | Unavailable | Unavailable | 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 | Lease & Form 216 | xxx | xxx | 1.02975 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |
| xxx | xxx | 2117024 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 790 | No |  | Not Applicable | Yes | 16.88% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 147 | 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 | Unavailable | Unavailable | Unavailable | 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 | 1.01117 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | xxx | xxx |
| xxx | xxx | 2117025 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 786 | No |  | Not Applicable | Yes | 17.13% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 237 | 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 | Yes | xxx | No | Lease Agreement | xxx | xxx | 1.16506 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2117026 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 786 | No |  | Not Applicable | Yes | 17.25% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 215 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-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 | Yes | xxx | No | Lease Agreement | xxx | xxx | 1.18939 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2117027 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 786 | No |  | Not Applicable | Yes | 17.25% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 251 | 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 | Yes | xxx | No | Lease Agreement | xxx | xxx | 1.2785 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 2117028 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | 786 | No |  | Not Applicable | Yes | 17.50% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 197 | 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 | 2 | xxx | Form 1025 | Yes | xxx | No | Lease Agreement | xxx | xxx | 1.67466 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10**

**EXECUTIVE SUMMARY**

EFMT 2026-NQM3

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Ellington Management Group, LLC. The Review was conducted from November 2025 to December 2025 on mortgage loans originated from October 2025 to November 2025. The Review consisted of 100% of the population of 3 loans with an original aggregate loan balance of $734,550.00.

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application, final application,
and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is complete, signed, dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to closing the approved Loan
package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of debt service coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of hazard coverage and verification that sufficient coverage was in place on subject and all premiums were included
in DSCR calculation

![](ex9910001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage insurance certificate was in file, if applicable, and coverage was sufficient, and premium was included in DSCR calculation

&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. Review of rental income and/or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing business as" or "also known as" names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements in conformance with applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Rental Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Rental Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting 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;ii. Check dates for document expiration

&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. Review rental income or DSCR by analyzing income documents and comparing against re-verification 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;iv. Leases, proof of rent received, 3rd party market rent validation, 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;v. Proof of Short Term rents received, as per guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&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. Check dates for document expiration

&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. Sufficient funds were sourced and seasoned

&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. Gift funds verified and met guidelines

&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. Confirm source of funds meet guidelines

![](ex9910001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in housing payment and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing disclosure or Settlement Statements

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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. The review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE 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;i. All elements of appraisal are present

&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. Ensure all applicable Loan documents match appraisal 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;iii. Property is acceptable collateral for Loan program

&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. Completed by an appraiser that was actively licensed to perform the valuation

&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. 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

![](ex9910001.jpg)

XI of FIRREA, or if the appraisal was performed for another lender, the file contains a transfer letter from the original 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;vi. The original appraisal report is made and signed prior to the final approval of the mortgage loan application; Any revisions,
if made known to MaxDiligence, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received 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.

&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. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation product. If a
third-party valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence will recommend a
BPO or field review be ordered.

&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. With regard to the use of comparable properties, review will (a) 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;
(b) confirm the property value and square footage of the subject property was bracketed by comparable properties, (c verify that
comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness of adjustments
when reconciling value between the subject property and comparable properties.

&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. Other aspects of the review include (i) verifying that the address matched the mortgage note, ((ii) if requested, noting whether
the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same, (iii) confirming
the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes the current use
of the property is legal or legal non-conforming (grandfathered), (v) 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 (vi) confirming that the value product that was used
as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, reviewer will confirm consistency among the valuation products and if there are discrepancies
that could not be resolved, MaxDiligence will create an exception and work 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 the review result in a variance of more than 10% then the client will be notified
of such variance.

![](ex9910001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied
the requirements of Title XI of FIRREA. Specifically, MaxDiligence will review 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence will access 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.

**Compliance Review**

Not applicable.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &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;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &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;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

![](ex9910001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final 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;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &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;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower - Residency Alien Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Builder is in control of HOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Evidence of Property Tax Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;***Total Compliance (A) Exceptions*** | &nbsp;&nbsp;***3*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data

![](ex9910001.jpg)

Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 3 mortgage loans reviewed, 1 unique mortgage loan (by loan count) had a total of 2 different tape discrepancies across 2 data field (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |

---

![](ex9910001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 2107594 |  |  | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 4 | 2025-11-21 12:27 | Credit | Builder is in control of HOA | Builder is in control of HOA. <br>|  | Please show in the guidelines that Builder in control of HOA is an issue. New Construction, 75% TV & High Fico Scores. - 12/02/2025<br>| Per Guidelines: Any project where the developer (or its affiliates) owns the Common and/or Limited Elements and leases the elements back to the HOA. Per the Appraisal, the Builder/Developer is in control of the HOA. Appraisal further states that no common elements are leased to or by the HOA. Loan meets Guidelines. Condition resolved. - 12/03/2025<br>|  | 2025-12-03 20:40 | Resolved | 3 | 1 | 3 | 1 |
| 2107594 |  |  | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 4 | 2025-11-21 13:08 | Credit | Borrower - Residency Alien Documentation | The borrower indicates Resident Alien status, however, the file contains no evidence documenting status as legally. Unable to locate the borrowers Permanent Resident Alien card in the file. <br>|  | Document Uploaded. - 12/02/2025<br>| Registered immigrant card was provided. Condition resolved. - 12/03/2025<br>|  | 2025-12-03 20:42 | Resolved | 2 | 1 | 3 | 1 |
| 2107594 |  |  | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 4 | 2025-11-21 13:08 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-21 13:08 | Cleared | 1 | 1 | 3 | 1 |
| 2107594 |  |  | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 4 of 4 | 2025-11-21 13:08 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-11-21 13:08 | Cleared | 1 | 1 | 3 | 1 |
| 2107593 |  |  | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-11-20 21:49 | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Unable to locate tax documentation to support the $XXXXXX monthly. <br>|  | Document Uploaded. - 12/04/2025<br>| New build Estimated Tax Rate of 2.410477% was used. Condition resolved. - 12/07/2025<br>Evidence of property tax is present - 12/07/2025<br>|  | 2025-12-07 22:38 | Resolved | 3 | 1 | 3 | 1 |
| 2107593 |  |  | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-11-20 22:13 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-20 22:13 | Cleared | 1 | 1 | 3 | 1 |
| 2107593 |  |  | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-11-21 20:43 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-11-21 20:43 | Cleared | 1 | 1 | 3 | 1 |
| 2098686 |  |  | XXXXXX | XXXXXX | XXXXXX | MI | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-11-04 21:43 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-04 21:43 | Cleared | 1 | 1 | 1 | 1 |
| 2098686 |  |  | XXXXXX | XXXXXX | XXXXXX | MI | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-11-04 21:44 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-11-04 21:44 | Cleared | 1 | 1 | 1 | 1 |
| 2098686 |  |  | XXXXXX | XXXXXX | XXXXXX | MI | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-11-10 15:29 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-11-10 15:29 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 2**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 2107594 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2107593 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2098686 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2107594 |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | 75.0 | 75.0 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXXXX |
| 2107593 |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 75.0 | 75.0 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2098686 |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 70.0 | 70.0 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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** | **Default Interest Rate** | **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** | **Borrower Months of Paystubs Verified** | **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** | **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 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)** | **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** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** | **Property Location** |
| 2107594 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A | XXXXXX | TX | XXXXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.008 | 1.008 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | TX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXXXX |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 108.5 | XXXXXX | 108.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 2 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | TX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban |
| 2107593 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  | TX | XXXXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.004 | 1.004 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | TX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 35.9 | XXXXXX | 35.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 2 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | WA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban |
| 2098686 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.250% | 7.250% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.208 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | MI | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 89.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR | Cash Out - Other | XXXXXX | XXXXXX | MI | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban |

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## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 5**

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| **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** |
| 2107594 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1025 |  | N/A |  |  | 2700 | Appraisal - 1025 | No | 99.17 | 1.008 | 1.008 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  | 0 |  | 2700 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 108.49 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2107593 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1025 |  | N/A |  |  | 2700 | Appraisal - 1025 | No | 99.59 | 1.004 | 1.004 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  | 2700 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 35.89 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 2098686 |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | 2100 | 2150 | Appraisal - 1007 |  |  |  |  | 2150 | Appraisal - 1007 | No | 82.77 |  | 1.208 | XXXXXX | 2100 | XXXXXX | 6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  | 2150 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 89.25 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.10 - Schedule 6**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2107594 |  |  | XXXXXX | Property Type | PUD | Two to Four Unit | Verified via source documents |
| 2107594 |  |  | XXXXXX | CLTV | 69.49 | 75.00 | Verified via source documents |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11**

![](ex9911001.jpg)

**EXECUTIVE SUMMARY**

**Description of Services:** 

Adfitech, Inc. dba Mortgage Connect Risk Solutions ("MCRS") performed due diligence services on the mortgage loans described herein, which were originated/or purchased PennyMac Loan Services, LLC and subsequently acquired by Ellington Management Group, LLC pursuant to a reliance letter.". The mortgage images were supplied to MCRS via the Client or its designee for the review. The subject population was reviewed between October 2025 and January 2026.

**Sample size of the assets reviewed.**

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by TPR from the securitization for paid-in-full mortgage loans or other items that were not disclosed to MCRS. The final population of the Review covered 8 Residential and 4 Business Purpose mortgage loans, totaling an aggregate original principal balance of approximately $7,282,767.00. MCRS has no knowledge of the composition of the overall securitization population as other TPR firms may have reviewed loans included in the broader securitization transaction. Accordingly, MCRS's conclusions are limited solely to the loans identified within the scope of this engagement. The Review was conducted consistent with the criteria for Fitch Ratings Inc and Kroll Bond Rating Agency, LLC (KBRA), the NRSRO's identified in Item 3 of the ABS Due Diligence-15E

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

MCRS compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. As the securitization population includes loans from different periods of time and from differing transactions, not all data elements were provided to TPR on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | |
|:---|:---|
| <u>Amortization Term</u> | <u>Original Loan Amount</u> |
| <u>Amortization Type</u> | <u>Original LTV</u> |
| <u>Appraisal Date</u> | <u>Original P&I</u> |
| <u>Appraised Value</u> | <u>Original Term</u> |
| <u>Documentation Type</u> | <u>Prepayment Penalty</u> |
| <u>First Payment Date</u> | <u>Property Address</u> |
| <u>Interest Only</u> | <u>Property City</u> |
| <u>Lien Position</u> | <u>Property State</u> |
| <u>Loan Purpose</u> | <u>Property Type</u> |
| <u>Margin</u> | <u>Property Zip</u> |
| <u>Maturity Date</u> | <u>QM ATR Status</u> |
| <u>Note Date</u> | <u>Qualifying Credit Score</u> |
| <u>Occupancy</u> | <u>Qualifying DTI</u> |
| <u>Original CLTV</u> | <u>Sales Price</u> |

---

Additional information about the data integrity review is included in the following:

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

![](ex9911001.jpg)

MCRS reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to TPR. 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, TPR 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:** TPR'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, TPR: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

**Occupancy Review:** TPR 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, TPR 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.

![](ex9911001.jpg)

**Fraud Review:** TPR 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, TPR conditioned the mortgage loan for the missing fraud report product.

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

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

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

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

**MCRS'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. MCRS'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, MCRS's review (i) capture 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 MCRS's review include (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 MCRS or if it is not directly accessible that another valuation product that is directly accessible to MCRS is ordered in accordance with the Client's specific valuation waterfall process.**![](ex9911001.jpg)

**If more than one valuation is provided, MCRS will confirm consistency among the valuation products and if there are discrepancies that cannot be resolved, MCRS will create an exception and work 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 MCRS's review result in a variance of more than 10% less than the appraised value, then the client will be notified of such variance, and a second independent valuation product will need to be ordered.** 

**MCRS will also consider processes that include Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score is ineligible for GSE RW&E relief, then MCRS will compare a third valuation product (such as a field review) to the original appraisal.**![](ex9911001.jpg)

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

Please be advised that MCRS will 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 MCRS are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which MCRS is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, MCRS will implement 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. MCRS will work 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 MCRS 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. MCRS has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per MCRS's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that MCRS has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by MCRS will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that MCRS does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by MCRS do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to MCRS. Information contained in any MCRS 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 MCRS 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 MCRS 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. MCRS does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by MCRS.

MCRS 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:

&nbsp;&nbsp;&nbsp;&nbsp;I. **General Scope of Review:** 

(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.

![](ex9911001.jpg)

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

a) <u>Rescission (§1026.23, §1026.15):</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.

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).

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

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

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

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

e) <u>High-cost Mortgage (§§1026.31, 32 and 34):</u>![](ex9911001.jpg)

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.

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

i) APR
 threshold test; and

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

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

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

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

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

(1) Note:
 Where available, MCRS will review the relevant documents in the mortgage loan file and, as necessary, attempt 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, MCRS's
 review will be limited to formal general statements of entity compliance provided by the mortgage loan originator, if any.
 These statements, for example, will be 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;

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

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.

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

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.

 <br> j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> <br>

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

k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u>![](ex9911001.jpg)

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:**

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

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

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

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

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

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

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

i) confirm
 current applicable HUD form was provided;

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

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

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

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

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

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

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

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

i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file (for applications prior to 10/3/2015);

![](ex9911001.jpg)

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application file (for applications prior to 10/3/2015);

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 file (for applications prior to 10/3/2015)/Home Loan Tool Kit (for applications on or after 10/03/2015);

iv) confirm the Special Information Booklet was provided within three (3) business days of application (for applications prior to 10/3/2015)/Home Loan Tool Kit (for applications on or after 10/03/2015;

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

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):**

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 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;

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

![](ex9911001.jpg)

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

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 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;

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 principles 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.)

c) <u>Your Home Loan Toolkit (§1026.19) (for application on or after 10/03/2015):</u> 

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

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

**(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:**

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

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

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

![](ex9911001.jpg)

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

MCRS will review 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 and VSH). MCRS determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, MCRS will note as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, MCRS will note 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, MCRS will review 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:

---

| | |
|:---|:---|
| 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, |

---

---

| | |
|:---|:---|
| 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). If the loan designation is Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", then the loans will be reviewed according to the "new QM" rule using calculation as outlined below in number 3. If no designation is provided, then the loan designation will default to using the Appendix Q calculation. This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

---

---

| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 10/1/2022, 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. |

---

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

\* Note, for loans in which the lender provided the VSH indicator, MCRS will capture it, but will not verify the VSH indicator.

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

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

If a mortgage loan is designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, MCRS will review 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, MCRS will review the Automated Underwriting System output within the file to confirm agency eligibility.

![](ex9911001.jpg)

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, MCRS will then determine whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also will include 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, MCRS will then determine whether the mortgage loan complies with the ATR rule consideration and verification requirements and provide a due diligence designation of Non-QM compliant or non-compliant.

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

MCRS will review 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.

MCRS will review 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"). MCRS 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. MCRS's review is based on information contained in the mortgage loan file at the time it is provided to MCRS 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:**

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

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**

![](ex9911001.jpg)

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

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

**(XI) FIRREA Review**

MCRS will confirm that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MCRS will review the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments are reasonable and that pictures are provided and are accurate.

In addition, MCRS will access 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**

MCRS will review each mortgage loan file and verify if the following documents, if applicable, are included in the file and if the data on these documents is consistent (where applicable):

• Initial
 application (1003);

• Underwriting
 summary / loan approval (1008);

• Credit
 report;

• Income
 and employment documentation;

• 4506T/4506C;

• Asset
 documentation;

• Sales
 contract;

• Hazard
 and/or flood insurance policies;

• Copy
 of note for any junior liens;

• Appraisal;

• Title/Preliminary
 Title;

• Final
 1003;

• Changed
 circumstance documentation;

• Right
 of Rescission Disclosure;

• Mortgage/Deed
 of Trust;

• Note;

• Mortgage
 Insurance;

![](ex9911001.jpg)

• Tangible
 Net Benefit Disclosure;

• Subordination
 Agreement;

• FACTA
 disclosures;

• Notice
 of Special Flood Hazards;

• Initial
 and final GFE's;

• HUD
 from sale of previous residence;

• Final HUD-1;

• Initial
 TIL;

• Final
 TIL;

• Loan
 Estimates;

• Closing
 Disclosures; and

• Certain
 other disclosures related to the enumerated tests set forth herein.

**EXHIBIT B**

TPR 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 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 MCRS.

**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;&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;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available,
 TPR 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, TPR'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;&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;

![](ex9911001.jpg)

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

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

**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;&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.

**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)).

TPR 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). TPR determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, TPR notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, TPR notes if an originator loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, TPR 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, TPR 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, TPR 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.).

![](ex9911001.jpg)

For each QM designated loan that does not satisfy the applicable requirements enumerated above, TPR 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>*

TPR 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, TPR will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

TPR 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"). TPR 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. TPR's review is based on information contained in the loan file at the time it is provided to TPR to review, and only reflects information as of that point in time.

**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;&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;

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.

**<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 TPR. Testing during this period included all items as referenced in the **FOR APPLICATION DATES ON OR AFTER JANUARY 10. 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, TPR 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 Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. TPR 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 TPR 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 TPR, impacting the review scope and exception severity. TPR has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TPR's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TPR has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TPR will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that TPR does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TPR do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TPR. Information contained in any TPR report related to the applicable statute of limitations for certain

![](ex9911001.jpg)

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 TPR 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 TPR 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. TPR does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TPR.

TPR 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:

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

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

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

![](ex9911001.jpg)

&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;&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.

![](ex9911001.jpg)

**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 Item 3 above.

**OVERALL RESULTS SUMMARY**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.0%** |

---

**CREDIT RESULTS SUMMARY**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;75.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;25.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.0%** |

---

**PROPERTY RESULTS SUMMARY**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.0%** |

---

![](ex9911001.jpg)

**DATA COMPARE SUMMARY**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MINNo | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ReviewedAppraisedPropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;SalesPrice | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ReviewedTotalDebtIncomeRatio | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingLoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20% |
| &nbsp;&nbsp;BusinessPurposeFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;2 | &nbsp;&nbsp;12 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;FinalReviewedQMStatus | &nbsp;&nbsp;2 | &nbsp;&nbsp;12 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SelfEmploymentFlag | &nbsp;&nbsp;2 | &nbsp;&nbsp;12 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **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** | **Borrower Months of Paystubs Verified** | **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** | **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** |
| 2124297 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XX | XXXX |  | XX | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% | X.XX% |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | X |  |  |  | X |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 70 | N/A | XX | XX | Yes | XXXXXX | N/A | N/A | N/A |  |  |  |  |
| 2124292 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX | XXX |  |  |  |  |  |  | XXXX | XXX |  |  |  |  | XXXX | X | X | X | X | X | X | XX | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XX | XX | XX | XX | X.XX% | X.XX% |  |  | XX | X | XX | XX | XX | X | XX | XX | XX | XX | XX | X | X | X | X | X | X | XX | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | X |  |  |  | X |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  |  | XXXX | XXXX | N/A | XXXX |  | XX | XX | XX/XX/XXXX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 80 | N/A | XX | XX | No | XXXXXX | XXXXXX | N/A | N/A |  |  |  |  |
| 2124282 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX | XXX |  |  |  |  |  |  | XXXX | XXX |  |  |  |  | XXXX | X | X | X | X | X | X | XX | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XX | XX | XX | XX | X.XX% | X.XX% | X.XX% |  | XX | X | XX | XX | XX | X | XX | XX | XX | XX | XX | X | X | X | X | X | X | XX | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | X |  |  |  | X |  |  | X |  |  | X | X | X | X | X | X |  |  |  |  |  |  |  | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  |  | XXXX | XXXX | N/A | XXXX |  | XX | XX | XX/XX/XXXX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 75 | N/A | XX | XX | No | XXXXXX | XXXXXX | N/A | N/A |  |  |  |  |
| 2124278 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX | XXX |  |  |  |  |  |  | XXXX | XXX |  |  |  |  | XXXX | X | X | X | X | X | X | XX | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XX | XX | XX | XX | X.XX% | X.XX% | X.XX% | XXXX | XX | X | XX | XX | XX | X | XX | XX | XX | XX | XX | X | X | X | X | X | X | XX | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | X |  |  |  | X |  |  | X |  |  | X | X | X | X | X | X |  |  |  |  | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  |  | XXXX | XXXX | N/A | XXXX |  | XX | XX | XX/XX/XXXX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 57.97 | N/A | XX | XX | No | XXXXXX | XXXXXX | N/A | N/A |  |  |  |  |
| 2124295 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% | X.XX% |  | XXXX |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | X |  |  |  | X |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 75 | N/A | XX | XX | Yes | XXXXXX | N/A | N/A | N/A |  |  |  |  |
| 2124289 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XX | XXXX |  | XX | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | X |  | X |  | X | X |  |  | X | X |  |  | X | X | X |  | X | X | X | X | X | X | X | X | XX |  |  |  | X.XX% | X.XX% |  |  | XX | X | XX |  |  |  | XX | XX | XX |  | XX | X | X | X |  |  | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | X |  |  |  | X |  |  | X |  |  | X | X | X | X | X | X |  |  |  |  |  |  |  | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 74.54 | N/A | XX | XX | No | XXXXXX | N/A | N/A | N/A |  |  |  |  |
| 2124286 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | X |  | X |  | X | X |  |  | X | X |  |  | X | X | X |  | X | X | X | X | X | X | X | X | XX |  |  |  | X.XX% | X.XX% |  |  | XX | X | XX |  |  |  | XX | XX | XX |  | XX | X | X | N/A |  |  | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | X |  |  |  | X |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 75 | N/A | XX | XX | No | XXXXXX | N/A | N/A | N/A |  |  |  |  |
| 2124285 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | X |  | X |  | X | X |  |  | X | X |  |  | X | X | X |  | X | X | X | X | X | X | X | X | XX |  |  |  | X.XX% | X.XX% |  |  | XX | X | XX |  |  |  | XX | XX | XX |  | XX | X | X | X |  |  | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | X |  |  |  | X |  |  | X |  |  | X | X | X | X | X | X |  |  |  |  |  |  |  | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 80 | N/A | XX | XX | No | XXXXXX | N/A | N/A | N/A |  |  |  |  |
| 2124291 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XX | XXXX | XX/XX/XXXX | XX | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | X |  | X |  | X | X |  |  | X | X |  |  | X | X | X |  | X | X | X | X | X | X | X | X | XX |  |  |  | X.XX% | X.XX% |  |  | XX | X | XX |  |  |  | XX | XX | XX |  | XX | X | X | X |  |  | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | X |  |  |  | X |  |  | X |  |  | X | X | X | X | X | X |  |  |  |  |  |  |  | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 80 | Yes | XX | XX | No | XXXXXX | N/A | N/A | N/A |  |  |  |  |
| 2124302 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XX | XXXX |  | XX | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% | X.XX% |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX | XX | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | X |  |  |  | X |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 75 | N/A | XX | XX | Yes | XXXXXX | N/A | N/A | N/A |  |  |  |  |
| 2124294 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% | X.XX% |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | X |  |  |  | X |  |  | X |  |  | X | X | X | X | X | X |  |  |  |  |  |  |  | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 65 | N/A | XX | XX | Yes | XXXXXX | N/A | N/A | N/A |  |  |  |  |
| 2124288 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XX | XXXX |  | XX | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | X |  | X |  | X | X |  |  | X | X |  |  | X | X | X |  | X | X | X | X | X | X | X | X | XX |  |  |  | X.XX% | X.XX% |  |  | XX | X | XX |  |  |  | XX | XX | XX |  | XX | X | X | X |  |  | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX | XX/XX/XXXX | X | X |  |  | X |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX |  | XX | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX | XX | XXXXXX | XX | XXXXXX | XXX | No | 80 | N/A | XX | XX | No | XXXXXX | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2124297 |  |  | XXXX | XXXX | XXXX | Present | No |  | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | XX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | X |  |  |  |  |  |  |  |  | No | No |  | X | X | N/A | XXXX | XX |  |  | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  | XXXX |
| 2124295 |  |  | XXXX | XXXX | XXXX | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | XX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | X |  | XXXX |  |  |  |  |  |  |  | No |  | X | X | N/A | XXXX | XX |  |  | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  | XXXX |
| 2124302 |  |  | XXXX | XXXX | XXXX | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  |  |  |  | XXXX | Appraisal - 1007 | No | XX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | X |  | XXXX |  |  |  |  |  |  |  | No | XX | X | X | N/A | XXXX | XX | XXXX | XXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | X | XX | XXX | XXXX |
| 2124294 |  |  | XXXX | XXXX | XXXX | Present | No |  | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | XX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes - Actual | XXXX |  |  |  |  |  |  |  |  |  |  | No | No |  | X | X | N/A | XXXX | XX |  |  | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  | XXXX |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 3**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Original Loan Amount** |
| 2124297 |  |  | XXXXXX | XXXXXX A D B |
| 2124292 |  |  | XXXXXX | XXXXXX D A B |
| 2124282 |  |  | XXXXXX | XXXXXX D A |
| 2124278 |  |  | XXXXXX | XXXXXX A |
| 2124295 |  |  | XXXXXX | XXXXXX A |
| 2124289 |  |  | XXXXXX | XXXXXX D A B |
| 2124286 |  |  | XXXXXX | XXXXXX D A |
| 2124285 |  |  | XXXXXX | XXXXXX D A |
| 2124291 |  |  | XXXXXX | XXXXXX A D |
| 2124302 |  |  | XXXXXX | XXXXXX A |
| 2124294 |  |  | XXXXXX | XXXXXX D A |
| 2124288 |  |  | XXXXXX | XXXXXX D A B |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction 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** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 2124297 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material D B | Property | Property | Flip or Rapid Resale of Property | Acknowledged-Investor acknowledged and accepted recent transfers. Loan file documents comp factors to include reserves and low LTV. - Due Diligence Vendor-XX/XX/XXXX<br> Returned-Document Uploaded. Please see attached attestation. - Buyer-XX/XX/XXXX<br> Returned-Sorry, to clarify I misspoke on the C/O piece. However, this LOE is all to document the sale value to determine if a 2nd appraisal is needed.… gift would not have a value. Can you please further clarify the counter commentary.<br> - Buyer-XX/XX/XXXX<br> Returned-I'm a little confused by the counter comments. This is a C/O refinance, this LOE is all to document the sale value to determine if a 2nd appraisal is needed.… gift would not have a value. - Buyer-XX/XX/XXXX<br> Counter-Documentation reviewed; identified as a gift which is not reflected as acceptable per guidelines. Documentation of a legal inheritance or an approved exception allowing the gift would be required. - Due Diligence Vendor-XX/XX/XXXX<br> Returned-Document Uploaded. This was explained & documented on page XXX of the file provided to you.<br> - Buyer-XX/XX/XXXX <br> Open-Document Uploaded. This was explained & documented on page XX/XX/XXXX of the file provided to you. - Buyer-XX/XX/XXXX<br> Open-The subject property was transferred to the property seller on XX/XX/XXXX by Quit Claim deed. A prior Quit Claim deed was dated XX/XX/XXXXThe subject Note date is XX/XX/XXXX Program guideline defines a flip as a re-sale within 365 days of acquisition by the seller with acquisition date being the day the seller became the legal owner of the property. Although a Quit Claim deed suggests that the property was transferred with no consideration, this was not documented or addressed in the file. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-Investor acknowledged and accepted recent transfers. Loan file documents comp factors to include reserves and low LTV. - Due Diligence Vendor-XX/XX/XXXX | Months Reserves exceed minimum required - XX months Reserves exceeds the minimumX months required by XX months |  | Condition #8.pdf<br>Attestation.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXXXX | XX | XXXX | XXXX NA | XX | No | XXXXXX |
| 2124292 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged- - Due Diligence Vendor-XX/XX/XXXX<br> Waived- - Due Diligence Vendor-XX/XX/XXXX<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guidelines, housing payment history must be documented with 12 months proof of payment via cancelled checks, bank debits or institutional VOM. Credit report cannot be used to evidence the housing payment history. The mortgage history was only documented with the credit report. A lender's exception was located in file. - Due Diligence Vendor-XX/XX/XXXX |  |  | Months Reserves exceed minimum required - XX months Reserves exceeds the minimum X months for subject property and X months for additional property required by X months | Lender documented exceptions:XXXXX mortgage history and reserves >X months than requirement. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | XX | XXXX | XXXX NA | XX | No | XXXXXX |
| 2124282 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX<br> Waived-Per email dated XX/XX/XXXX, title policy is not required. - Due Diligence Vendor-XX/XX/XXXX<br> Open-Prelim Title Document (all 10 pages) were included in the upload and are in your file pages 606-615<br>As this a newly originated loan, the Final Title Policy has not been issued and is considered a trailing document. - Buyer-XX/XX/XXXX <br> Open-Final Title Policy was not provided. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Per email dated XX/XX/XXXX, title policy is not required. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | XX | XXXX | XXXX NA | XX | N/A | XXXXXX |
| 2124282 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information C A | Credit | Eligibility | Years on the job does not meet guideline requirements - Borrower 1 | Resolved-SOS site confirms borrowers previous corporation with an incorporation date of XX/XX/XXXX dissolvedXX/XX/XXXX. Exact same line of work. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br> Open-In addition to the XXXX finding and XXXXX commented in the finding, there are XXXX forms for both borrowers indicating that the company wasXXXX inXXXX, and there are customer reviews from their website that the customer has been visiting them for XX years (going back to when the business was in a different location). - Buyer-XX/XX/XXXX<br> Open-Years on the job does not meet guideline requirements - Borrower 1 Validation of a minimum of XXX years existence of the business is required by program guidelines. The Borrower and Co-Borrower have ownership in the same business. TheXXXX business filing reflects the XXX organization date as XX/XX/XXXX which conflicts with the tax preparer letter stating business existence of over X years with no formation date given. This discrepancy was not addressed. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-XXX site confirms borrowers previous corporation with an incorporation date of XX/XX/XXXX dissolvedXX/XX/XXXX. Exact same line of work. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | XX | XXXX | XXXX NA | XX | N/A | XXXXXX |
| 2124278 |  |  | XXXXXX A |  | XXXXXX | XXXXXX | XXXXXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | XX | XXXX | XXXX NA | XX |  | XXXXXX |
| 2124295 |  |  | XXXXXX A |  | XXXXXX | XXXXXX | XXXXXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | XX | XXXX | XXXX NA | XX |  | XXXXXX |
| 2124289 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material D B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Document provided to show an approved exception. Compensating factors noted by the lender: FICO XX points above minimum, residual income XXXX above minimum and time at employment > XXX. - Due Diligence Vendor-XX/XX/XXXX<br> Ready for Review-Document Uploaded. See attached approved exception. - Buyer-XX/XX/XXXX<br> Open-Housing History Does Not Meet Guideline Requirements Mortgage history with XXXXX was not documented with an institutional verification of mortgage or bank debits evidencing a satisfactory payment history. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-Document provided to show an approved exception. Compensating factors noted by the lender: FICO XX points above minimum, residual income $XXXX above minimum and time at employment > Xyears. - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXX - Exception Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | XX | XXXX | XXXX NA | XX | No | XXXXXX |
| 2124286 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Income/Employment | Potential Employment/income Issues identified in the file | Resolved-Borrower provided LOE, bus narrative and hud1 sourcing large deposit. - Due Diligence Vendor-XX/XX/XXXX<br> Ready for Review-Document Uploaded. We disagree with the finding. This is part of the XXXX narrative that the borrower XXXX XXXX XXXX . - Buyer-XX/XX/XXXX<br> Open-The Borrower was qualified with income from his XXXX, XXXX, using X months XXX statements. Per the guidelines, large deposits exceeding XX% of the qualifying income must be explained via LOE and must be consistent with the XXX profile. The bank statement history reflects income solely from XX for the past XX months. The Borrower received a payment of $XXXX on XX/XX/XXXX. The deposit was not consistent with the XXXX profile or with prior deposits documented. The letter of explanation indicates this deposit was from XXXXXX, a XXXX by the Borrower's XXXX. The payment was for XXXX as an XXXX and was a XXXX. If the deposit is excluded from the income calculation, monthly income would be reduced from $XXXX to $XXXX and would increase the DTI to XX%. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower provided LOE, bus narrative and hud1 sourcing large deposit. - Due Diligence Vendor-XX/XX/XXXX |  |  | Business Narrative.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | XX | XXXX | XXXX NA | XX | N/A | XXXXXX |
| 2124285 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-borrower prior to purchase living XXXX with family LOE in file. - Due Diligence Vendor-XX/XX/XXXX <br> Open-The subject transaction is an owner occupied purchase for XX as the sole Borrower. The original purchase contract for the subject property was executed solely by XXXX on XX/XX/XXXX. The Borrower was added to the contract on XX/XX/XXXX. XXXX took title to the property as a XXXX with a XX% undivided interest. The original contract with XXXX as the sole buyer indicated the property would be owner occupied. The HOI policy in file is with both individuals, mailed to XXXX. The Borrower's intent to occupy the subject property with the original purchaser was not further explained in the file. A search in public records reflects other individuals at the subject and not the Borrower. The Borrower was located at the business address as shown on the XXX It is noted, the Borrower's business bank statement reflects a deposit of $XXXXX on XX/XX/XXXX. The deposit was excluded from income and assets as unsourced. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-borrower prior to purchase living XX with XX LOE in file. - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXXXXXXXX<br> XXXXXXXXXX<br> XXXXXXXXXX<br> XXXXXXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | XX | XXXX | XXXX NA | XX | N/A | XXXXXX |
| 2124285 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information C A | Credit | Title | Title reports unpaid liens | Resolved-Information provided and accepted - Due Diligence Vendor-XX/XX/XXXX<br> Returned-Document Uploaded. Please refer to the SUPPLEMENTAL REPORT that was delivered within the file. This confirms that item X within the Prelim Title Commitment and the issue being cited, was released and not being listed on Final Title. This is sufficient to address the issue. - Buyer-XX/XX/XXXX<br> Open-Title reports unpaid liens of $XXXX Title commitment reflects an open mechanic's or materialman's lien of $XXXX recorded XX/XX/XXXX. The seller's CD did not reflect the lien was paid. A release of lien was not located in the file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Information provided and accepted - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXXXXX Supplimental Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | XX | XXXX | XXXX NA | XX | N/A | XXXXXX |
| 2124291 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Intent to Proceed | Resolved-Intent to Proceed provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX<br> Ready for Review-Per the Disclosure Tracking Summary in file, the Intent to Proceed was provided on XX/XX/XXXX. There is no regulatory requirement that this notice be in writing. This date is documented in file via the Disclosure Tracking details & Mavent compliance certificate. - Buyer-XX/XX/XXXX<br> Open-Missing Intent to Proceed in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Intent to Proceed provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  | XX XXXXXXX Acknowledgement of Intent of Proceed (.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | XX | XXXX | XXXX NA | XX | N/A | XXXXXX |
| 2124302 |  |  | XXXXXX A |  | XXXXXX | XXXXXX | XXXXXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | XX | XXXX | XXXX NA | XX |  | XXXXXX |
| 2124294 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Waived-Per email dated XX/XX/XXXX, title policy is not required. - Due Diligence Vendor-XX/XX/XXXX<br> Open-Title Policy was not located in the file as required by program guidelines. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Per email datedXX/XX/XXXX, title policy is not required. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | XX | XXXX | XXXX NA | XX | N/A | XXXXXX |
| 2124294 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Per guidelines, XXX is acceptable and a X is not required. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX<br> Returned-We disagree with the finding. This scenario does not require the documents being requested. The borrower shows an XX code on her XX. The X code signifies that they are an approved XXXX XXr. This category is for individuals who have filed Form X as a victim of battery or extreme cruelty by a U.S. citizen or permanent resident spouse/parent, and whose petition has been approved. It proves they are allowed to work legally in the United States. X does not require a valid visa or passport. The XXXX understands that people in this category may not have access to their XXXXbecause: 1) The abuser may be holding the passport hostage, or 2) It may be unsafe for the victim to contact their home country's embassy to renew a passport. - Buyer-XX/XX/XXXX<br> Open-The Borrower disclosed XXXX. The file contains an XXXX. The file did not contain a X and X as required by program guidelines. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Per guidelines, XXX is acceptable and a XXXX is not required. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | XX | XXXX | XXXX NA | XX | N/A | XXXXXX |
| 2124294 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Property | Missing Doc | 3rd Party Valuation Product is Required and Missing | Resolved-Document provided to show acceptable CU score. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX<br> Returned-Document Uploaded. The file delivered contained the CU information, also confirming the SSR Document ID and Successful status. - Buyer-XX/XX/XXXX<br> Open-3rd Party Valuation Product is Required and Missing. CU score was not provided. - Due Diligence VendorXX/XX/XXXX |  | Resolved-Document provided to show acceptable CU score. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |  |  | XX _ XX _ Property Report _ XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | XX | XXXX | XXXX NA | XX | N/A | XXXXXX |
| 2124288 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged- - Due Diligence Vendor-XX/XX/XXXX<br> Ready for Review-The borrower does not have any active financing/mortgages, therefore a VOR/VOM is not required. - Buyer-XX/XX/XXXX <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guidelines, housing payment history must be evidenced by 12 months proof of payment via cancelled checks, bank debits or institutional VOM. A credit report cannot be used to evidence the housing payment history. This additional documentation was not located in file. An exception was not provided. - Due Diligence Vendor-XX/XX/XXXX | Lender acknowledged the missing documentation; however, lender is accepting due to the mortgage loan was paid in full due to sale of property. - 12/19/2025 <br>|  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | XX | XXXX | XXXX NA | XX | No | XXXXXX |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Neighborhood location** | **Property Value Trend** | **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** |
| 2124297 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |
| 2124292 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 80.0 | 80.0 | XXXXXX | 0.0 | X | XXXXXX |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XX |  |  |  | XXXXXX | X | X | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |
| 2124282 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |
| 2124278 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 57.97 | 57.97 | XXXXXX | 0.0 | X | XXXXXX |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  | XX |  |  |  | XXXXXX | X | X | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |
| 2124295 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |
| 2124289 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 74.54 | 74.54 | XXXXXX | 0.0 | X | XXXXXX |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  | XX |  |  |  | XXXXXX | X | X | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |
| 2124286 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |
| 2124285 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |
| 2124291 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |
| 2124302 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |
| 2124294 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |
| 2124288 |  |  | XX/XX/XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X |  |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM Residual Income Analysis Provided? | Residual Income | 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? |
| 2124297 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes | N/A |  |  |  | No | No | No | Yes | No | No | No |  |  |  | N/A | XX | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  | N/A | XXXXXX |  | XX |  | Yes | XXXX |
| 2124292 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes | XX | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | XXXXXX | XXXX | XX | XX | No |  |
| 2124282 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested | XXXX | XX | Yes | XX | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | Yes | XXXXXX | XXXX | XX | XX | No |  |
| 2124278 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes | XX | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | Yes | XXXXXX | XXXX | XX | XX | No |  |
| 2124295 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  |  |  | No | No | No | Yes | No | No | No |  |  |  | N/A | XX | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | XX |  | Yes | XXXX |
| 2124289 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes | XX | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | Yes | XXXXXX |  | XX |  | No |  |
| 2124286 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes | XX | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | Yes | XXXXXX |  | XX |  | No |  |
| 2124285 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested | XXXX | XX | Yes | XX | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | XXXXXX |  | XX |  | No |  |
| 2124291 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes | XX | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | Yes | XXXXXX |  | XX |  | No |  |
| 2124302 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  |  |  | No | No | No | No | No | No | No |  |  |  | N/A | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | XX |  | Yes | XXXX |
| 2124294 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  |  |  | No | No | No | Yes | No | No | No |  |  |  | N/A | XX | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | XX |  | Yes | XXXX |
| 2124288 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | No |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes | XX | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | XXXXXX |  | XX |  | No |  |

---

## Exhibit 99.1

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.11 - Schedule 7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2124297 |  |  | XXXXXX | Final Reviewed QM Status | diligenceFinalLookPage | ATR/QM: Exempt | NON-QM: LENDER DOCUMENTED ALL ATR UW FACTORS |  |
| 2124297 |  |  | XXXXXX | Originator Doc Type | employmentIncomePage | XXXXXX | XXXXXX | Loan approved as a XXXX with XXXX documentation. |
| 2124278 |  |  | XXXXXX | MIN No | deedOfTrustPage | XXXXXX | XXXXXX | Confirmed with XXXX |
| 2124295 |  |  | XXXXXX | Borrower 1 Self-Employment Flag | the1003Page | XXXXXX | XXXXXX |  |
| 2124295 |  |  | XXXXXX | Reviewed Total Debt Income Ratio | diligenceFinalLookPage | XXXXXX | XXXXXX | XXXX loan;XXX was not calculated. |
| 2124295 |  |  | XXXXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXXXX | XXXXXX | Confirmed XXXX program, therefore exempt from XXXX. |
| 2124295 |  |  | XXXXXX | Calculated XXXX | diligenceFinalLookPage | XXXXXX | XXXXXX | XXXX calculation of XXXX, not reflected in tape data. |
| 2124295 |  |  | XXXXXX | Originator Doc Type | employmentIncomePage | XXXXXX | XXXXXX | XXXX loan; XXXX |
| 2124294 |  |  | XXXXXX | Borrower 1 Self-Employment Flag | the1003Page | XXXXXX | XXXXXX |  |

---

## Exhibit 99.12

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.12**

![](ex9912001.jpg)

EFMT 2026-NQM3

Ellington Management Group, LLC

Opus Capital Markets Consultants, LLC

5718 Westheimer Road, Suite 1000 \| Houston, TX 77057 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**February 20, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Ellington Management Group, LLC**

The report summarizes the results of a due diligence review performed on a pool of 36 loans, of which were purchased by Ellington Management Group, LLC ("Customer") from an originator (the "Originator") who are a clients 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 credit review of all loans.

As detailed herein, the pool contains nineteen (19) ATR/QM Exempt loans, of which fifteen (15) are DSCR loans and four (4) are Business Purpose loans, and seventeen (17) NQM loans that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and
 asset verifications pursuant to Client provided underwriting guidelines.

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

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided
 underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by
 the loan underwriter at origination to determine compliance with Client provided underwriting
 guidelines and regulatory requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value
 ratio were accurate at origination and meet Client provided underwriting guideline and
 regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate
 credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client
 provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented
 and reasonable.

**Document Review**

**Document Review**

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

**a) Collateral Docs**

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.<br>

**b) Closing Docs**

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

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

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

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

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

**c) Credit Docs** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

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

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

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

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

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

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

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

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

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material"<sup>1</sup> disclosure requirements of the federal Truth-in-Lending
 Act ("TILA"), as amended by the Home Ownership and Equity Protection Act
 ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented
 by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced
 Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure
 provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented
 by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA
 Integrated Disclosure ("TRID") Rule, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For
 Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 review of the Notice of Right to Cancel, including a verification of the transaction
 date and expiration date, ensuring proper execution of the Notice of Right to Cancel
 by all required parties, verifying the disbursement date and determining if a full three
 (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This
 review is also to be performed on transactions that are exempt from the rescission requirement
 but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A
 condition must be placed if the transaction is a refinance by the original creditor and
 the borrower was provided the Form H-8 rescission notice. Consultant will note in the
 condition whether there was a new advance that is subject to rescission per TILA/Regulation
 Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 TRID Disclosures (Application Dates on or after 10/3/2015)

<sup>1</sup> These "material" disclosures include, but are not limited to, the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

2. Section
 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603
 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the
 TRID Rule;

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

4. Confirmation
 that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer
 Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice
 to Home Loan Applicant;

5. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability
 to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages
 (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified
 mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201
 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and
 Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f))
 In accordance with "Ability to Repay and Qualified Mortgage Review" description
 below;

6. The
 Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented
 by Regulation Z, 12 C.F.R 1026.36;

7. The
 requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R.
 1026.35;<br>

8. The
 appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as
 implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The
 counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k)
 and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The
 escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35,
 and Regulation X, 12 C.F.R 1024.17, respectively;

11. The
 disclosure requirements and prohibitions of any applicable state, county and municipal
 laws and ordinances, as amended, that have been enacted to regulate so-called "predatory
 lending":

12. Consultant
 shall confirm that any mortgage property located in an area identified on a flood hazard
 map or flood insurance rate map issued by the Federal Emergency Management Agency as
 having special flood hazards is subject to a qualified flood insurance policy that appears
 to be is in effect.

13. For
 any loans designated as TILA exemption, Consultant shall review the loan file for evidence
 that the primary purpose of the loan was for commercial or business purposes, including,
 but not limited to a business purpose certification.

14. Documentation.
 Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final
 HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1
 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There
 should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1
 is signed by all parties (including closing agent) or stamped certified by the closing
 agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If
 HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent;
 if the stamp does not contain the signature or initials, it must identify the name of
 the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final
 Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Loan Estimate in will be considered delivered based on the date issued, subject to the
 three-day mailing rule unless the file contains documentation indicating earlier receipt.
 The loan file may contain one or more Loan Estimates with the latest one provided up
 until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing
 Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Closing Disclosure in the loan file will be considered delivered based on the date issued,
 subject to the three-day mailing rule unless the file contains documentation indicating
 earlier receipt. The loan file may contain one or more Closing Disclosures with the latest
 one provided up until the consummation date being considered the Final with any delivered
 post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice
 of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial
 TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good
 Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed
 of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA
 disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third
 Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third
 party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing
 Disclosure, must be shown as paid to the third-party provider. A condition must be set
 if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT
 will condition for evidence in the file indicating that a charge on the HUD-1/Closing
 Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the
 face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure).
 Variations of less than $1 are deemed to be within reasonable limits and are not to be
 reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any
 refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing
 Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant reviews applicable loans for compliance
 with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R.
 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable
 Presumption QM, Exempt). Consultant determines the loan's status under the QM rule
 requirements and assigns a due diligence loan designation. Consultant notes as a material
 exception if the due diligence findings do not confirm the same loan designation. Additionally,
 Consultant notes if a loan designation was not provided. Consultant will verify if each
 loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan
 is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under
 § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender
 determination of QM and indicating factors in its ability-to-repay determination, including
 how the originator applied its policies and procedures in verification. For loans applications
 taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements
 of the revised general QM definition effective March 1, 2021.

2. For
 loans for which applications were received prior to July 1, 2021, if a loan was designated
 as QM and identified as eligible for guarantee, purchase, or insurance by an applicable
 agency as permitted under the QM final rule, Consultant reviews the loan to determine
 whether, based on available information in the loan file the loan satisfied (i), (ii)
 and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System
 output within the file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance
 with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set
 forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For
 QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether,
 based on available information in the loan file: (i) the loan contains risky loan features
 and terms (e.g. an interest only feature or negative amortization), (ii) the "points
 and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
 appropriately. Consultant reviews to the applicable consider and verify requirements
 under the QM rule depending on whether the QM was originated under the original general
 QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 each QM designated loan that satisfied the applicable requirements enumerated above,
 Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by
 comparing the loan's actual annual percentage rate, as recalculated, to the applicable
 average prime offer rate plus a certain percentage. For QM designated loans originated
 under the revised general QM definition effective March 1, 2021, Consultant also determines
 whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ability to repay portion of the review for non-agency eligible loans only will focus
 on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible
 loans. The Consultant will review the loan file to determine if the creditor verified
 and considered each of the eight factors utilizing reasonably reliable third-party documentation
 at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current
 or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current
 employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly
 mortgage payment for subject loan using the introductory or fully indexed rate, whichever
 is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly
 payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly
 payments for property taxes and hazard/flood insurance and certain other costs related
 to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts,
 alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly
 debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit
 history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 loans designated as agency eligible, Consultant will not review for compliance with the
 requirements of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant
 reviews loans to determine their conformity with the ATR/QM factors above and is not
 rendering an independent assessment or analysis. Consultant's review is based on
 information contained in the loan file at the time it is provided to Consultant, and
 only reflects information as of that point in time and does not mean any regulator, judicial
 or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

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

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

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

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

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

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ 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)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

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

**Equal Credit Opportunity Act (Regulation B)**

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.<br>

● Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, 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., as amended from time to time.

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

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 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.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● 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, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code § 24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● 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 Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● 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 seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

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

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

● New York Subprime Home Loans Statute, 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 from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● 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 (PSH), Mun. Code §§ 757.01 et seq.

● 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), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- et seq.

● Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**FloodInsurance Testing**

**Natioal Flood Insurance Program (NFIP)**

Each ortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

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

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

Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● 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

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided
 by a condominium association, cooperative or other applicable group and

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

**Misrepresentation and Third-Party Review**

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

1) Misrepresentation Review and Valuation Review

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

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

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

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

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: <br>

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

**Valuation Waterfall and Products** 

**<u>Agency Eligible Loan Programs</u>**

● PIW

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All
 PIW loans: AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If
 AVM <90% of origination value: BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. If
 BPO <90% of origination value: Stip for Seller to order Field Review/2055 or Appraisal.

● If FHLMC Rep &Warrant Relief NOT Eligible for FNMA CU >2.5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All:
 Desk Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If
 Desk Review < 90% of origination value: Stip for Seller to order a Filed Review/2055
 of second appraisal.

**<u>Jumbo Loan Programs</u>**

● If only 1 appraisal and no desk review: Stip for Seller to order a Desk Review (w/value conclusion)

● If guidelines required 2 appraisals, but only 1 appraisal provided; Stip for Seller to order second appraisal

● If desk review indicated a value lower than the appraisal; Stip for Seller to order BPO and value reconciliation.

Seasoned Loan Updated:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Updated AVM:** An Automated Valuation Model ("AVM") will be ordered on each property.
 If the resulting value of the AVM is in aggregate less than 90% of the value reflected
 on the original appraisal, or if no results are returned, an Appraisal Desk Review will
 be ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Appraisal Desk Review:** If the resulting value for the PVO is less than 90% of the value reflected
 on the original appraisal, or if no results are returned, a Broker Price Opinion (BPO)
 will be ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **BPO:** If the resulting value of the BPO is less than 90%of the value reflected on the original
 appraisal, an appraisal field review may be ordered on the property

The criteria set forth in this section titled "Valuation Waterfall and Products: are subject to change by RMC at any time..

Value Review Disclaimer

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

● 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.

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

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

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal in a property located in an area that is designated as IA (Individual Assistance) or IH (Individual and Household Assistance), Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**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<br>

● 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

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.<br>

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.<br>

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.<br>

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.<br>

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria** 

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews, and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15-E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:<br>

**Opus Credit Grades**

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

 and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades** 

● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.<br>

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

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

**Borrower Underwriting:** 

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per

the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

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

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

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

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

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

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

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

**Compliance**

● No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex9912002.jpg)

**<u>Tape Discrepancies</u>**

![](ex9912003.jpg)

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was one (1) obligor with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

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

---

---

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

---

**<u>Property Valuation</u>**

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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 |

---

---

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

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated February 20, 2026.

![](ex9912004.jpg)

**<u>Loans Reviewed (36)</u>**

![](ex9912005.jpg)

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.12

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.12 - Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **ALT 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 | XXXX | 2096175 |  | XXXX | Closed | 2025-09-24 08:39 | 2025-10-15 10:30 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived- - Due Diligence Vendor-10/15/2025 <br>Acknowledged-Lender provided credit exception with valid compensating factors. Finding Acknowledged. - Due Diligence Vendor-09/30/2025 <br>Open-As per GLs multi-family units are ineligible. The lender provided exception to allow subject property type as a 4-unit condo. Lender provided compensating factors, and all compensating factors are not valid. Correct the Exception doc to reflect the correct comp factors. 772 credit score(min 700), Reserves required 9 months not 18 with LTV < 65%, max LTV 75% not 70% or 65% (exception states both 65% and 70%). - Due Diligence Vendor-09/24/2025 |  | Acknowledged-Lender provided credit exception with valid compensating factors. Finding Acknowledged. - Due Diligence Vendor-09/30/2025<br>| XXXX_Credit - Credit Exception Approval_XXXX_XXXX.pdf |  | LTV 54% <br> FICO 772 (min 720)<br> 18 months reserves vs minimum 9 required | NY | Investment | Purchase | NA | 5650754 | Originator Post-Close | No |
| XXXX | XXXX | 2096175 |  | XXXX | Closed | 2025-09-24 08:45 | 2025-09-29 17:14 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided updated guidance that Condo Balance Sheet is informational. Finding Resolved. - Due Diligence Vendor-09/29/2025 <br>Open-Condo balance sheet is missing. - Due Diligence Vendor-09/24/2025 |  | Resolved-The lender provided updated guidance that Condo Balance Sheet is informational. Finding Resolved. - Due Diligence Vendor-09/29/2025<br>|  |  |  | NY | Investment | Purchase | NA | 5650846 | N/A | N/A |
| XXXX | XXXX | 2096175 |  | XXXX | Closed | 2025-09-24 06:43 | 2025-09-29 13:11 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/29/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/29/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-09/24/2025 |  | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/29/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/29/2025<br>| XXXX_What Applicants Need to Know Pamphlet_XXXX_XXXX.pdf<br> XXXX_Misc - Document Upload_XXXX_XXXX.pdf |  |  | NY | Investment | Purchase | NA | 5649278 | N/A | N/A |
| XXXX | XXXX | 2096175 |  | XXXX | Closed | 2025-09-24 08:33 | 2025-09-24 08:33 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-09/24/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-09/24/2025<br>|  |  |  | NY | Investment | Purchase | NA | 5650646 | Investor Post-Close | No |
| XXXX | XXXX | 2117059 |  | XXXX | Closed | 2026-01-09 07:09 | 2026-01-12 16:55 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/09/2026 <br> Open-Audited Reserves of 5.96 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 4.56 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/09/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026<br>| Exception.pdf |  | 757 FICO, 1.50% DSCR | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 7002135 | Originator Post-Close | No |
| XXXX | XXXX | 2117059 |  | XXXX | Closed | 2026-01-09 07:01 | 2026-01-12 16:53 | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/09/2026 <br>Open-Total Qualified Assets for Reserves Post-Close of $7940.47 is less than Total Required Reserve Amount of $7991.22 Total Qualified Assets for Reserves Post-Close of $6068.87 is less than Total Required Reserve Amount of $7991.22 - Due Diligence Vendor-01/09/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026<br>| Exception.pdf |  | 757 FICO, 1.50% DSCR | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 7002056 | Originator Post-Close | No |
| XXXX | XXXX | 2117059 |  | XXXX | Closed | 2026-01-09 09:40 | 2026-01-12 16:45 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Received updated Evidence of Good Standing, finding resolved. - Due Diligence Vendor-01/12/2026 <br> Resolved-Evidence of Good Standing in file is dated XXXX and note is dated XXXX. Document age of days is within guidelines. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/09/2026 <br> Open-Evidence of Good Standing in file is dated XXXX and note is dated XXXX. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated XXXX and note is dated XXXX. Document age of 147 days exceeds guidelines. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received updated Evidence of Good Standing, finding resolved. - Due Diligence Vendor-01/12/2026 <br> Resolved-Evidence of Good Standing in file is dated XXXX and note is dated XXXX. Document age of days is within guidelines. - Due Diligence Vendor-01/12/2026 | XXXX COG.pdf |  |  | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 7007139 | N/A | N/A |
| XXXX | XXXX | 2112733 |  | XXXX | Closed | 2025-12-19 08:39 | 2025-12-22 06:40 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/22/2025 <br> Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Never mind here is the form - Buyer-12/19/2025 <br> Ready for Review-Please waive - Buyer-12/19/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XXXX is after the Primary Appraisal Delivery Date of XXXX. - Due Diligence Vendor-12/19/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/22/2025 <br>Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-12/22/2025<br>| Updated appraisal emailed to borrower XXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6703476 | N/A | N/A |
| XXXX | XXXX | 2110977 |  | XXXX | Closed | 2025-12-12 12:07 | 2025-12-15 14:03 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/15/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/13/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. Provide Appraisal copy of the invoice submitted to the original lender with outstanding balance - Due Diligence Vendor-12/12/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/15/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-12/15/2025<br>| Invoice.pdf |  |  | NC | Primary Residence | Purchase | NA | 6605404 | N/A | N/A |
| XXXX | XXXX | 2110977 |  | XXXX | Closed | 2025-12-12 12:36 | 2025-12-15 14:02 | Waived | 2 - Non-Material | Property | Property | Ineligible Property | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/13/2025 <br> Open-Property area crossed XX acreages. As per GLs required maximum acreage is XX only but appraisal showing as 10.12 - Due Diligence Vendor-12/12/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-12/15/2025<br>| Exception.pdf |  | LTV 80-5%<85%<br> Res 18 mo, 12 mo>6 mo<br> DTI 22-28<50%<br> FICO 683+23>660 | NC | Primary Residence | Purchase | NA | 6606022 | Originator Pre-Close | Yes |
| XXXX | XXXX | 2110977 |  | XXXX | Closed | 2025-12-12 14:37 | 2025-12-12 14:37 | Acknowledged | 1 - Information | Property | Value | XX value equals B, secondary product within tolerance | Acknowledged-XX value equals B, secondary product within tolerance. This finding will be rated a B for XX. All other agencies will be rated as A. - Due Diligence Vendor-12/12/2025 |  | Acknowledged-XX value equals B, secondary product within tolerance. This finding will be rated a B for XX. All other agencies will be rated as A. - Due Diligence Vendor-12/12/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 6608537 | Investor Post-Close | No |
| XXXX | XXXX | 2112737 |  | XXXX | Closed | 2025-12-19 13:14 | 2025-12-22 06:47 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/19/2025 <br>Open-Housing History Does Not Meet Guideline Requirements The lender guidelines 3.4.1 on VOR's from non-institutional party require the borrower to provide the past 12 months canceled checks or bank statements. The borrower could only document 11.5 months of rent because the borrower paid a partial payment in cash. - Due Diligence Vendor-12/19/2025 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/22/2025<br>| Exception.pdf |  | DTI 27.3% vs 45% Max<br> Residual Income X.X vs $XXXX Min<br> Seld-Employed 4Yrs vs 2 Yes Min | FL | Primary Residence | Purchase | NA | 6711396 | Investor Post-Close | No |
| XXXX | XXXX | 2112737 |  | XXXX | Closed | 2025-12-18 10:07 | 2025-12-19 14:16 | Acknowledged | 1 - Information | Property | Value | XX value equals B, secondary product within tolerance | Acknowledged-XX value equals B, secondary product within tolerance. This finding will be rated a B for XX. All other agencies will be rated as A. - Due Diligence Vendor-12/19/2025 <br>Open-XX value equals B, secondary product within tolerance. This finding will be rated a B for XX. All other agencies will be rated as A. This finding will be rated a B for XX. All other agencies will be rated as A. - Due Diligence Vendor-12/18/2025 |  | Acknowledged-XX value equals B, secondary product within tolerance. This finding will be rated a B for XX. All other agencies will be rated as A. - Due Diligence Vendor-12/19/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6684500 | Investor Post-Close | No |
| XXXX | XXXX | 2103329 |  | XXXX | Closed | 2025-11-24 15:46 | 2025-11-24 16:40 | Acknowledged | 1 - Information | Property | Value | XX value equals B, secondary product within tolerance | Acknowledged-XX value equals B, secondary product within tolerance. This finding will be rated a B for XX. All other agencies will be rated as A. - Due Diligence Vendor-11/24/2025 |  | Acknowledged-XX value equals B, secondary product within tolerance. This finding will be rated a B for XX. All other agencies will be rated as A. - Due Diligence Vendor-11/24/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6372657 | Investor Post-Close | No |
| XXXX | XXXX | 2114591 |  | XXXX | Closed | 2025-12-26 13:01 | 2025-12-30 08:51 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/30/2025 <br> Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/30/2025 <br> Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. completed XXXX7 within 10 day - Seller-12/29/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing GL section 5.4.2 requires a verbal Verification of Employment (VOE) from current employer that may not be dated more than 10-calendar days prior to note date however same is missing in file for B2. - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. completed XXXX within 10 day - Seller-12/29/2025 | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/30/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/30/2025 <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-12/29/2025<br>| VVOE XXXX.pdf<br> VVOE XXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6817708 | N/A | N/A |
| XXXX | XXXX | 2114591 |  | XXXX | Closed | 2025-12-26 13:01 | 2025-12-30 08:50 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/30/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/30/2025 <br> Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. completed XXXX within 10 day - Seller-12/29/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing GL section 5.4.2 requires a verbal Verification of Employment (VOE) from current employer that may not be dated more than 10-calendar days prior to note date however same is missing in file for B1 - Employment 1b disclosed on final 1003. - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. completed XXXX within 10 day - Seller-12/29/2025 | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/30/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/30/2025 <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-12/29/2025<br>| VVOE XXXX.pdf<br> VVOE XXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6817707 | N/A | N/A |
| XXXX | XXXX | 2114591 |  | XXXX | Closed | 2025-12-26 13:03 | 2025-12-30 08:50 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Open-GL section 5.4.2 requires W2 Tax Transcripts for wage or salaried borrowers. Same is missing in file for B2. - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/30/2025<br>| XXXX TRANSCRIPTS.pdf<br> XXX TRANSCRIPTS.pdf |  |  | FL | Primary Residence | Purchase | NA | 6817726 | N/A | N/A |
| XXXX | XXXX | 2114591 |  | XXXX | Closed | 2025-12-26 13:02 | 2025-12-30 08:50 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Open-GL section 5.4.2 requires W2 Tax Transcripts for wage or salaried borrowers. Same is missing in file for B1. - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/30/2025<br>| XXXX TRANSCRIPTS.pdf<br> XXX TRANSCRIPTS.pdf |  |  | FL | Primary Residence | Purchase | NA | 6817720 | N/A | N/A |
| XXXX | XXXX | 2110982 |  | XXXX | Closed | 2025-12-12 03:13 | 2025-12-15 11:26 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/15/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/13/2025 <br>Open-E-Consent documentation is missing for borrower(s). Co-borrower e-sign document is missing - Due Diligence Vendor-12/12/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/15/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/15/2025<br>| Econsent XXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6597437 | N/A | N/A |
| XXXX | XXXX | 2110982 |  | XXXX | Closed | 2025-12-12 08:26 | 2025-12-15 11:19 | Waived | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/12/2025 <br>Open-Income and Employment Do Not Meet Guidelines The lender guideline 5.5.1.1 requires borrower to be self-employed for at least 2 years, or if less than 2 years but more than 1 year if the borrower can document at least 2 years of previous successful employment in the same line of work in which the borrower is self-employed, or a related occupation. The file is missing a 2 year verification of employment. - Due Diligence Vendor-12/12/2025 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/15/2025<br>| Exception.pdf |  | DTI 21% < 45% Max<br> FICO 772 > 700 Min<br> 0x30x12 Housing History<br> Payment Decrease from $XXXX to $XXXX after close | FL | Primary Residence | Purchase | NA | 6600121 | Originator Pre-Close | Yes |
| XXXX | XXXX | 2110982 |  | XXXX | Closed | 2025-12-12 04:13 | 2025-12-15 11:14 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/15/2025 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/13/2025 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-12/12/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/15/2025 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-12/15/2025<br>| Econsent XXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6597706 | N/A | N/A |
| XXXX | XXXX | 2112736 |  | XXXX | Closed | 2025-12-22 13:02 | 2025-12-23 10:45 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/23/2025 <br>Open-Borrower is wage earner and loan file is missing IRS transcript. - Due Diligence Vendor-12/22/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/23/2025<br>| XXXX.pdf<br> XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6743201 | N/A | N/A |
| XXXX | XXXX | 2112736 |  | XXXX | Closed | 2025-12-22 13:02 | 2025-12-23 10:45 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/23/2025 <br> Open-Borrower is wage earner and loan file is missing IRS transcript. - Due Diligence Vendor-12/22/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/23/2025<br>| XXXX.pdf<br> XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6743196 | N/A | N/A |
| XXXX | XXXX | 2112736 |  | XXXX | Closed | 2025-12-22 07:23 | 2025-12-23 10:44 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/23/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing VVOE provided in file reflects incorrect hiring date. - Due Diligence Vendor-12/22/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/23/2025<br>| VVOE.pdf |  |  | CA | Primary Residence | Purchase | NA | 6731488 | N/A | N/A |
| XXXX | XXXX | 2114584 |  | XXXX | Closed | 2026-01-04 23:43 | 2026-01-06 07:46 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/06/2026 <br> Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/05/2026 <br> Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. The appraisal was delivered electronically. E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-01/05/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/06/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-01/06/2026<br>| XXXX Econsent.pdf |  |  | CA | Primary Residence | Purchase | NA | 6908911 | N/A | N/A |
| XXXX | XXXX | 2112743 |  | XXXX | Closed | 2025-12-24 15:26 | 2025-12-29 08:48 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/29/2025 <br> Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-12/29/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-12/29/2025 <br> Open-Appraisal Transfer Does Not Meet Guideline Requirements. - Due Diligence Vendor-12/24/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/29/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-12/29/2025<br>| Invoice.pdf |  |  | FL | Primary Residence | Purchase | NA | 6799790 | N/A | N/A |
| XXXX | XXXX | 2114588 |  | XXXX | Closed | 2025-12-30 08:33 | 2025-12-31 10:21 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/30/2025 <br> Open-Appraisal Transfer Does Not Meet Guideline Requirements. The appraisal was transferred and is missing a copy of the invoice submitted to the original lender with outstanding balance if applicable. - Due Diligence Vendor-12/30/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-12/31/2025<br>| Invoice.pdf |  |  | CA | Primary Residence | Purchase | NA | 6850633 | N/A | N/A |
| XXXX | XXXX | 2114588 |  | XXXX | Closed | 2025-12-25 22:11 | 2025-12-29 08:29 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-12/29/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/26/2025 <br>Open-E-Consent documentation is missing for borrower(s). E-consent provided however borrower not signed - Due Diligence Vendor-12/26/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-12/29/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/29/2025<br>| XXXX econsent.pdf |  |  | TX | Primary Residence | Purchase | NA | 6806078 | N/A | N/A |
| XXXX | XXXX | 2117066 |  | XXXX | Closed | 2026-01-09 09:01 | 2026-01-09 13:10 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/09/2026 <br> Open-Missing Final HUD-1: Compliance testing utilized Preliminary/Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. Settlement Statement in file is marked "estimated". - Due Diligence Vendor-01/09/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/09/2026<br>| Final HUD.pdf |  |  | NV | Investment | Purchase | NA | 7005206 | N/A | N/A |
| XXXX | XXXX | 2117065 |  | XXXX | Closed | 2026-01-06 10:17 | 2026-01-08 12:02 | Resolved | 1 - Information | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/08/2026 <br>Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/08/2026 <br>Counter-The lender provided the same Seller's Final HUD that is not signed by the borrower and is missing all borrower closing fees paid at closing, including borrower funds required at closing. Please provide the Borrower's Final HUD-1. Condition remains open. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/06/2026 <br>Open-Final HUD-1 Document is missing. Unable to run compliance, additional findings may apply. - Due Diligence Vendor-01/06/2026 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/08/2026 <br>Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-01/08/2026<br>| HUD.pdf<br>HUD.pdf |  |  | TX | Investment | Purchase | NA | 6934872 | N/A | N/A |
| XXXX | XXXX | 2117065 |  | XXXX | Closed | 2026-01-06 09:23 | 2026-01-07 08:18 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/07/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/06/2026 <br> Open-E-Consent documentation is missing for borrower(s). Provided e-sign document is not signed by borrower - Due Diligence Vendor-01/06/2026 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/07/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/07/2026<br>| Econsent XXXX.pdf |  |  | TX | Investment | Purchase | NA | 6933685 | N/A | N/A |
| XXXX | XXXX | 2120675 |  | XXXX | Closed | 2026-01-12 13:04 | 2026-02-11 15:59 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/14/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/14/2026 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The lender guideline requires Transfer of the Appraisal to have a Transfer Letter and Copy of the invoice submitted to the original lender with outstanding balance if applicable. File is missing Copy of the invoice submitted to the original lender with outstanding balance if applicable - Due Diligence Vendor-01/13/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-01/14/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-01/14/2026<br>| Invoice.pdf |  |  | MS | Investment | Purchase | NA | 7047419 | N/A | N/A |

---

## Exhibit 99.12

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.12 - Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **ALT ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 2096175 |  | XXXX | $XXXX D C A B |
| XXXX | 2117069 |  | XXXX | $XXXX A |
| XXXX | 2117059 |  | XXXX | $XXXX C A B |
| XXXX | 2103317 |  | XXXX | $XXXX A |
| XXXX | 2112729 |  | XXXX | $XXXX A |
| XXXX | 2120671 |  | XXXX | $XXXX A |
| XXXX | 2112733 |  | XXXX | $XXXX A B |
| XXXX | 2110977 |  | XXXX | $XXXX C A B |
| XXXX | 2105038 |  | XXXX | $XXXX A |
| XXXX | 2112737 |  | XXXX | $XXXX C A B |
| XXXX | 2103329 |  | XXXX | $XXXX A B |
| XXXX | 2114591 |  | XXXX | $XXXX D A |
| XXXX | 2123066 |  | XXXX | $XXXX A |
| XXXX | 2110982 |  | XXXX | $XXXX C A B |
| XXXX | 2112736 |  | XXXX | $XXXX D A |
| XXXX | 2112748 |  | XXXX | $XXXX A |
| XXXX | 2117060 |  | XXXX | $XXXX A |
| XXXX | 2120673 |  | XXXX | $XXXX A |
| XXXX | 2114592 |  | XXXX | $XXXX A |
| XXXX | 2114584 |  | XXXX | $XXXX A C |
| XXXX | 2117070 |  | XXXX | $XXXX A |
| XXXX | 2112743 |  | XXXX | $XXXX C A |
| XXXX | 2114588 |  | XXXX | $XXXX C A |
| XXXX | 2112745 |  | XXXX | $XXXX A |
| XXXX | 2120674 |  | XXXX | $XXXX A |
| XXXX | 2112744 |  | XXXX | $XXXX A |
| XXXX | 2120679 |  | XXXX | $XXXX A |
| XXXX | 2120680 |  | XXXX | $XXXX A |
| XXXX | 2112749 |  | XXXX | $XXXX A C |
| XXXX | 2112746 |  | XXXX | $XXXX A |
| XXXX | 2117066 |  | XXXX | $XXXX A D |
| XXXX | 2117065 |  | XXXX | $XXXX A D |
| XXXX | 2120675 |  | XXXX | $XXXX C A |
| XXXX | 2123072 |  | XXXX | $XXXX A |
| XXXX | 2123070 |  | XXXX | $XXXX A |
| XXXX | 2123075 |  | XXXX | $XXXX A |

---

## Exhibit 99.12

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.12 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | ALT ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| XXXX | 2096175 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.683 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXX | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 2117069 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2117059 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2103317 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed |  | No |  | No |  |
| XXXX | 2112729 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2120671 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 2112733 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed |  | No |  | No |  |
| XXXX | 2110977 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.974 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed |  | No |  | No |  |
| XXXX | 2105038 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.537 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2112737 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.356 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed |  | No |  | No |  |
| XXXX | 2103329 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.733 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2114591 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.214 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2123066 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2110982 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 2112736 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2112748 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed |  | No |  | No |  |
| XXXX | 2117060 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2120673 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 2114592 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 2114584 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed |  | No |  | No |  |
| XXXX | 2117070 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2112743 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.959 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed |  | No |  | No |  |
| XXXX | 2114588 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed |  | No |  | No |  |
| XXXX | 2112745 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.452 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed | Not Employed | Yes | Yes | No |  |
| XXXX | 2120674 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2112744 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed |  | No |  | No |  |
| XXXX | 2120679 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2120680 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2112749 |  | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.647 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXX | N/A | Employed |  | No |  | No |  |
| XXXX | 2112746 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 6.791 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXX | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 2117066 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2117065 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.966 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXX | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 2120675 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 8.314 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXX | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 2123072 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2123070 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 2123075 |  | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.12

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.12 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 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 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 |
| **Loan ID** | **ALT 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** | **Borrower Months of Paystubs Verified** | **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** | **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** | **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** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 2096175 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.683% |  | 7.375% | 7.375% | $20720.25 | No | $61925.76 | $5160.48 | $5923.80 | $493.65 | $24096.00 | $2008.00 | $0.00 | $28382.38 | $232694.03 | Yes | XXXX | XX | $XXXX | XXXX | Monthly | 20.42% | 20.42% | 20.42% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1195180.30 | 42.1 | 1195180.30 | 42.1 | No | 53.96 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2117069 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1397.14 | No | $1038.24 | $86.52 | $1304.64 | $108.72 | $0.00 | $0.00 | $0.00 | $1592.38 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.004 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 10375.41 | 6.5 | 10375.41 | 6.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2117059 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1024.05 | No | $2297.88 | $191.49 | $1395.96 | $116.33 | $0.00 | $0.00 | $0.00 | $1331.87 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.502 | 1.501 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  |  | XXXX | XXXX | XXXX | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6068.87 | 4.6 | 7940.47 | 6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2103317 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.962% |  | 7.750% | 7.750% | $1719.39 | No | $6227.40 | $518.95 | $3317.16 | $276.43 | $0.00 | $0.00 | $0.00 | $2514.77 | $23385.14 | N/A |  |  | $0.00 |  |  | 18.67% | 18.67% | 18.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | I-551 Conditional Permanent Resident Card w/ USCIS 1-751 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 211650.27 | 84.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2112729 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1927.32 | No | $4257.96 | $354.83 | $1658.04 | $138.17 | $0.00 | $0.00 | $0.00 | $2420.32 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.632 | 1.632 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 419996.58 | 173.5 | 419996.58 | 173.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |  |
| XXXX | 2120671 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1631.43 | No | $6747.72 | $562.31 | $2703.24 | $225.27 | $2040.00 | $170.00 | $0.00 | $2589.01 |  | N/A | XXXX | XX | $XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.004 | 1.004 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31096.48 | 12 | 31096.48 | 12 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2112733 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 6.724% |  | 6.250% | 6.250% | $2674.98 | No | $10785.60 | $898.80 | $1759.56 | $146.63 | $390.00 | $32.50 | $0.00 | $3752.91 | $8259.63 | N/A | XXXX | XX | $XXXX | XXXX | Annually | 41.88% | 41.88% | 41.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 63.83% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability, Other, Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 1 YR Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 190507.55 | 50.8 | 190507.55 | 50.8 | No | 78.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2110977 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | 6.974% |  | 6.500% | 6.500% | $4019.95 | No | $2668.68 | $222.39 | $4266.00 | $355.50 | $0.00 | $0.00 | $0.00 | $4597.84 | $17137.72 | N/A |  |  | $0.00 |  |  | 22.03% | 21.73% | 21.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 31.49% | 46.90% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Wage - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 70730.40 | 15.4 | 70730.40 | 15.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2105038 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.537% |  | 7.125% | 7.125% | $6966.92 | No | $9122.16 | $760.18 | $1113.96 | $92.83 | $3360.00 | $280.00 | $0.00 | $8099.93 | $17047.13 | Yes | XXXX | XX | $XXXX | XXXX | Monthly | 36.71% | 36.71% | 36.71% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 54 | 32 | Work Number | Yes | 36 | 36 | Work Number | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 99343.96 | 12.3 | 99343.96 | 12.3 | No | 90 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2112737 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.356% |  | 7.000% | 7.000% | $1766.32 | No | $7708.92 | $642.41 | $1056.24 | $88.02 | $581.04 | $48.42 | $0.00 | $2545.17 | $14372.66 | N/A | XXXX | XX | $XXXX | XXXX | Annually | 27.30% | 27.30% | 27.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 23710.81 | 9.3 | 23710.81 | 9.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2103329 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.733% |  | 8.500% | 8.500% | $9509.55 | No | $18187.56 | $1515.63 | $1932.96 | $161.08 | $0.00 | $0.00 | $0.00 | $11186.26 | $25671.36 | N/A |  |  | $0.00 |  |  | 35.09% | 35.09% | 35.09% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 57.44% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 49 | 34 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage, Overtime - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 68926.31 | 6.2 | 68926.31 | 6.2 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2114591 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.214% |  | 6.875% | 6.875% | $3337.20 | No | $6707.28 | $558.94 | $5567.04 | $463.92 | $2436.00 | $203.00 | $0.00 | $4563.06 | $9049.54 | N/A | XXXX | XX | $XXXX | XXXX | Monthly | 49.49% | 49.49% | 49.49% | No | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 30.12% | 100.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 3 | 3 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 29557.21 | 6.5 | 29557.21 | 6.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2123066 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1473.26 | No | $971.04 | $80.92 | $678.96 | $56.58 | $0.00 | $0.00 | $0.00 | $1610.76 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.024 | 1.024 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 92759.93 | 57.6 | 92759.93 | 57.6 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2110982 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.644% |  | 7.250% | 7.250% | $2425.14 | No | $5957.16 | $496.43 | $3170.16 | $264.18 | $0.00 | $0.00 | $0.00 | $3185.75 | $12515.20 | N/A |  |  | $0.00 |  |  | 24.32% | 24.32% | 24.32% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 22378.95 | 7 | 22378.95 | 7 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2112736 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.599% |  | 7.250% | 7.250% | $6753.55 | No | $13749.96 | $1145.83 | $3873.96 | $322.83 | $3156.00 | $263.00 | $0.00 | $8485.21 | $16943.37 | Yes | XXXX | XX | $XXXX | XXXX | Monthly | 43.00% | 43.17% | 43.17% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 102 | 35 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 87981.30 | 10.4 | 87981.30 | 10.4 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2112748 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.466% |  | 8.125% | 8.125% | $3504.59 | No | $8361.24 | $696.77 | $1416.00 | $118.00 | $0.00 | $0.00 | $0.00 | $4319.36 | $6891.14 | N/A |  |  | $0.00 |  |  | 43.82% | 43.82% | 43.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified | Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 653 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 31875.91 | 7.4 | 31875.91 | 7.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2117060 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1864.82 | No | $2385.96 | $198.83 | $1293.00 | $107.75 | $0.00 | $0.00 | $0.00 | $2171.40 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.013 | 1.021 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32453.37 | 15 | 32453.37 | 15 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2120673 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1255.20 | No | $4403.76 | $366.98 | $1696.32 | $141.36 | $0.00 | $0.00 | $0.00 | $1763.54 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.361 | 1.36 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  |  | United States | XXXX | USA | XXXX | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 37872.27 | 21.5 | 37872.27 | 21.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2114592 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.415% |  | 7.125% | 7.125% | $2752.43 | No | $2624.04 | $218.67 | $1341.96 | $111.83 | $708.00 | $59.00 | $0.00 | $3141.93 | $16414.48 | Yes | XXXX | XX | $XXXX | XXXX | Monthly | 24.76% | 24.74% | 24.74% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 92873.28 | 29.6 | 92873.28 | 29.6 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2114584 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.060% |  | 7.875% | 7.875% | $9788.44 | No | $18125.04 | $1510.42 | $5110.20 | $425.85 | $0.00 | $0.00 | $0.00 | $11724.71 | $28247.54 | N/A |  |  | $0.00 |  |  | 31.72% | 31.72% | 31.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XXXX | XXXX | 0 | XX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 100915.68 | 8.6 | 100915.68 | 8.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2117070 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $693.28 | No | $2795.88 | $232.99 | $977.04 | $81.42 | $0.00 | $0.00 | $0.00 | $1007.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.439 | 1.438 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 163740.66 | 162.5 | 163740.66 | 162.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2112743 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 6.959% |  | 6.625% | 6.625% | $3116.71 | No | $7173.12 | $597.76 | $2895.36 | $241.28 | $1380.00 | $115.00 | $0.00 | $4070.75 | $7388.73 | Yes | XXXX | XX | $XXXX | XXXX | Annually | 44.97% | 44.83% | 44.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 67201.28 | 16.5 | 67201.28 | 16.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2114588 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.756% |  | 7.375% | 7.375% | $7338.42 | No | $15624.96 | $1302.08 | $2523.00 | $210.25 | $2100.00 | $175.00 | $0.00 | $9025.75 | $51380.27 | Yes | XXXX | XX | $XXXX | XXXX | Monthly | 15.82% | 15.82% | 15.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 67495.81 | 7.5 | 67495.81 | 7.5 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2112745 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.452% |  | 7.125% | 7.125% | $5187.63 | No | $13749.96 | $1145.83 | $2656.92 | $221.41 | $0.00 | $0.00 | $0.00 | $6554.87 | $30906.76 | N/A |  |  | $0.00 |  |  | 17.50% | 17.50% | 17.50% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 95.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 34 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX | Foreign National | Foreign National | N/A | Passport |  |  | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | Bank / Credit Reference | 104929.55 | 16 | 104929.55 | 16 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2120674 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1573.13 | No | $4275.00 | $356.25 | $1499.04 | $124.92 | $5760.00 | $480.00 | $0.00 | $2534.30 |  | Yes | XXXX | XX | $XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.609 | 1.609 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24215.53 | 9.6 | 24215.53 | 9.6 | No | 68.27 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2112744 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.244% |  | 6.750% | 6.750% | $1338.71 | No | $5921.28 | $493.44 | $1302.96 | $108.58 | $0.00 | $0.00 | $0.00 | $1940.73 | $8097.27 | N/A |  |  | $0.00 |  |  | 21.63% | 21.62% | 21.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 46991.77 | 24.2 | 46991.77 | 24.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2120679 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $4591.67 | No | $8234.16 | $686.18 | $2238.96 | $186.58 | $0.00 | $0.00 | $0.00 | $5464.43 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.058 | 1.003 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 817 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 281186.50 | 51.5 | 281186.50 | 51.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |  |
| XXXX | 2120680 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $4275.00 | No | $8234.16 | $686.18 | $1986.96 | $165.58 | $0.00 | $0.00 | $0.00 | $5126.76 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.065 | 1.005 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 817 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 290836.11 | 56.7 | 290836.11 | 56.7 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |  |
| XXXX | 2112749 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.647% |  | 7.375% | 7.375% | $2548.59 | No | $5355.96 | $446.33 | $2833.68 | $236.14 | $0.00 | $0.00 | $0.00 | $3231.06 | $38438.32 | N/A |  |  | $0.00 |  |  | 10.44% | 10.44% | 10.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 28125.17 | 8.7 | 28125.17 | 8.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2112746 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.791% |  | 6.500% | 6.500% | $2199.09 | No | $3337.32 | $278.11 | $1095.00 | $91.25 | $60.00 | $5.00 | $0.00 | $2573.45 | $35458.32 | N/A | XXXX | XX | $XXXX | XXXX | Annually | 23.26% | 23.26% | 23.26% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 1 | 2 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 18.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 77 | 35 | Work Number | Yes | 40 | 35 | Work Number | No | 0 |  | N/A | Borrower - Wage, Bonus, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2025","2024"] - 2023, 2025, 2024 \|\| Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2025","2024"] - 2023, 2025, 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | USA | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | USA | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 124443.65 | 48.4 | 124443.65 | 48.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2117066 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $2075.90 | No | $1335.36 | $111.28 | $1070.04 | $89.17 | $0.00 | $0.00 | $0.00 | $2276.35 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.362 | 1.361 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 294144.96 | 129.2 | 294144.96 | 129.2 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2117065 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.966% |  | 7.625% | 7.625% | $2811.36 | No | $2412.72 | $201.06 | $2152.80 | $179.40 | $750.00 | $62.50 | $0.00 | $3254.32 | $13534.18 | N/A | XXXX | XX | $XXXX | XXXX | Annually | 45.51% | 45.47% | 45.47% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 213827.58 | 65.7 | 213827.58 | 65.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2120675 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | v1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.314% | $0.00 | 7.875% | 7.875% | $1334.13 | No | $1899.96 | $158.33 | $3363.36 | $280.28 | $672.00 | $56.00 | $0.00 | $1828.74 | $36519.07 | Yes | XXXX | XX | $XXXX | XXXX | Monthly | 20.45% | 20.45% | 20.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 22367.39 | 12.2 | 22367.39 | 12.2 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2123072 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $587.34 | No | $2323.80 | $193.65 | $2189.16 | $182.43 | $0.00 | $0.00 | $0.00 | $963.42 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.868 | 1.868 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (XX, XX, XX, XX, XX) |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9826.28 | 10.2 | 9826.28 | 10.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2123070 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1850.20 | No | $8647.20 | $720.60 | $1926.96 | $160.58 | $4128.00 | $344.00 | $0.00 | $3075.38 |  | N/A | XXXX | XX | $XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.008 | 1.008 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1073598.14 | 349.1 | 1073598.14 | 349.1 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX | 2123075 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | V1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1042.91 | No | $1884.00 | $157.00 | $1557.00 | $129.75 | $0.00 | $0.00 | $0.00 | $1329.66 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1.003 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 113311.83 | 85.2 | No | 69.92 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |

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## Exhibit 99.12

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.12 - Schedule 5**

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| Loan ID | ALT 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 |
| XXXX | 2096175 |  | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 28382.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 150000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 42.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2117069 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 99.52 | 1.004 | 1.005 | 1592.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.52 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXX | 2117059 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 66.59 | 1.501 | 1.502 | 1331.87 | 2000 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35194 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 5.96 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2112729 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2974 | 3950 | Appraisal - 1025 |  |  |  |  | 3950 | Appraisal - 1025 | No | 61.27 | 1.632 | 1.632 | 2420.32 | 1374 | 05-31-2025 | 1 |  |  |  | 1600 | 05-31-2029 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30700 |  |  |  | 3950 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 173.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXXX | 2120671 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  |  |  |  | 2600 | Appraisal - 1007 | No | 99.58 | 1.004 | 1.004 | 2589.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34500 |  |  |  | 2600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.01 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXXX | 2123066 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1900 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Appraisal - 1007 | No | 97.62 | 1.024 | 1.024 | 1610.76 | 1900 | 12-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19329.12 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 57.59 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXX | 2117060 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  |  |  |  | 2200 | Appraisal - 1007 | No | 98.7 | 1.021 | 1.013 | 2171.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29959.2 |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.95 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| XXXX | 2120673 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 73.48 | 1.36 | 1.361 | 1763.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23000 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 21.47 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXX | 2117070 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1450 | Appraisal - 1007 |  |  |  |  | 1450 | Appraisal - 1007 | No | 69.5 | 1.438 | 1.439 | 1007.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22200 |  |  |  | 1450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 162.49 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | 2120674 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4078.19 | Other | 12 | 100.00% | 4078.19 | Other | Yes | 62.14 | 1.609 | 1.609 | 2534.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24800 |  |  |  | 4078.19 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.56 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | 2120679 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4820 | 5784 | Appraisal - 1025 |  |  |  |  | 5784 | Appraisal - 1025 | No | 94.47 | 1.003 | 1.058 | 5464.43 | 1500 | 01-08-2026 | 1 | 1720 | 01-08-2026 | 1 | 1600 | 01-08-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 73800 |  |  |  | 5784 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 51.46 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXXX | 2120680 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4550 | 5460 | Appraisal - 1025 |  |  |  |  | 5460 | Appraisal - 1025 | No | 93.9 | 1.005 | 1.065 | 5126.76 | 1500 | 01-08-2026 | 1 | 1300 | 01-08-2026 | 1 | 1750 | 01-08-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 64300 |  |  |  | 5460 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 56.73 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| XXXX | 2112746 |  | XXXX | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2573.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41400 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 48.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| XXXX | 2117066 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3100 | Appraisal - 1007 |  |  |  |  | 3100 | Appraisal - 1007 | No | 73.43 | 1.361 | 1.362 | 2276.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38700 |  |  |  | 3100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 129.22 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| XXXX | 2117065 |  | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3254.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 65.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| XXXX | 2120675 |  | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1828.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.23 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| XXXX | 2123072 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 53.52 | 1.868 | 1.868 | 963.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.2 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2123070 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3100 | Appraisal - 1007 |  |  |  |  | 3100 | Appraisal - 1007 | No | 99.21 | 1.008 | 1.008 | 3075.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36904.56 |  |  |  | 3100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 349.09 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| XXXX | 2123075 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1333 | Appraisal - 1007 |  |  |  |  | 1333 | Appraisal - 1007 | No | 99.75 | 1.003 | 1.003 | 1329.66 | 1300 | 07-14-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 1333 |  |  |  |  |  |  | No | No | 20.5 | 1 | 1 | N/A | 85.22 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |

---

## Exhibit 99.12

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.12 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT 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** |
| XXXX | 2096175 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $XXXX | 53.96 | 53.96 |  |  |  |  |  |  |  |  | $XXXX | 0.0 | .0000 | XXXX | 1073 Individual Condo Report |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117069 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 75.0 | 75.0 | $XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXX | 0.0 | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2117059 |  | XXXX | XXXX | $XXXX | 0 | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 2103317 |  | XXXX | XXXX | $XXXX |  | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2112729 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $XXXX | 70.0 | 70.0 | $XXXX | $XXXX | -.0769 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXX | $XXXX | -.0769 | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120671 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 65.0 | 65.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2112733 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 78.36 | 78.36 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 2110977 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXX | 0.0 | .0000 | XXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 2105038 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $XXXX | 90.0 | 90.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2112737 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 90.0 | 90.0 | $XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXX | 0.0 | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 2103329 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 85.0 | 85.0 | $XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXX | 0.0 | .0000 | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 2114591 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 2123066 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 85.0 | 85.0 | $XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXX | 0.0 | .0000 | XXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110982 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 90.0 | 90.0 | $XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXX | 0.0 | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112736 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 90.0 | 90.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2112748 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2117060 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2120673 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2114592 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 90.0 | 90.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2114584 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 90.0 | 90.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2117070 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 75.0 | 75.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2112743 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 75.0 | 75.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2114588 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 85.0 | 85.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2112745 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 70.0 | 70.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2120674 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | $XXXX | 68.27 | 68.27 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2112744 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 2120679 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXX | 0.0 | .0000 | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2120680 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXX | 0.0 | .0000 | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112749 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 90.0 | 90.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 2112746 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 2117066 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2117065 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2120675 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXX | 0.0 | .0000 | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123072 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 80.0 | 80.0 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2123070 |  | XXXX | XXXX | $XXXX | $XXXX | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 65.0 | 65.0 | $XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXX | 0.0 | .0000 | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123075 |  | XXXX | XXXX | $XXXX | 0 | 0 | $XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | $XXXX | 69.92 | 69.92 | $XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.12

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.12 - Schedule 7**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 2117069 |  | XXXX | 0731-002 | Prepayment Penalty Total Term | notePage | 60 | 3 Year | Audit Value Pulled from Prepayment Addendum To Note. |
| XXXX | 2103317 |  | XXXX | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.67 | 18.66 | Rounding. |
| XXXX | 2112729 |  | XXXX | 0731-002 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal.  |
| XXXX | 2112733 |  | XXXX | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.88 | 41.89 | DTI difference is less than 1% and within lender tolerance. |
| XXXX | 2110977 |  | XXXX | 0731-001 | Qualifying FICO | creditLiabilitiesPage | 683 | 681 | Audit value based on lender qualifying requirements. |
| XXXX | 2110977 |  | XXXX | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.73 | 22.03 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXX | 2112736 |  | XXXX | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.17 | 43.00 | Audit liabilities were based on documents in the loan file. |
| XXXX | 2114592 |  | XXXX | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.74 | 24.76 | DTI difference is less than 1% and within lender tolerance.  |
| XXXX | 2120674 |  | XXXX | 0731-002 | Qualifying CLTV | propertyValuationPage | 68.27 | 68.84 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXX | 2120674 |  | XXXX | 0731-002 | Sales Price | propertyValuationPage | $XXXX | $XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| XXXX | 2120674 |  | XXXX | 0731-002 | Qualifying LTV | propertyValuationPage | 68.27 | 68.84 | Audit Value of Subject Lien / Qualifying Value |
| XXXX | 2112744 |  | XXXX | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.62 | 21.63 | Rounding. |
| XXXX | 2120679 |  | XXXX | 0731-002 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value pulled from appraisal |
| XXXX | 2120680 |  | XXXX | 0731-002 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| XXXX | 2117065 |  | XXXX | 0731-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.47 | 45.51 | Audit reflects difference in subject property taxes per documents in the loan file.  |

---

## Exhibit 99.13

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.13**

![](ex9913001.jpg)

**Selene Diligence LLC ("Selene") Due**

**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 Ellington Management Group, LLC ("Client"). The review was conducted between August 2025 and January 2026 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 77 Non-QM loans and 22 ATR-QM exempt loans for a total of 99 loans the "Final Securitization Population".

*<u>Credit Reviews (99):</u>*

During the Review, Selene performed a credit review on 99 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (99)</u>*

During the Review, Selene performed a compliance review, when applicable on 99 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (99):</u>*

During the Review, Selene performed a property valuation review on 99 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (99):</u>*

During the Review, Selene performed a Data Integrity Review on 99 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 99 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;99 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;99 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;99 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;99 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. (Fitch) and Kroll Bond Rating Agency ("Kroll"), (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Loan Eligibility Guidelines, Northpointe Underwriting Guidelines, 5<sup>th</sup> Street Capital Underwriting Guidelines, Kind Lending Non-Agency Program Guidelines, Brick City Core Plus Program Guidelines (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 **10**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

 **CREDIT REVIEW**

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

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

 **COMPLIANCE REVIEW** 

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument.

 **PROPERTY VALUATION REVIEW**

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

● **Original Appraisal Assessment** 

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

● **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **10**

 **DATA INTEGRITY REVIEW**

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

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 99 mortgage loans, (ii) a Compliance Review on 99 mortgage loans (iii) a Valuation Review on 99 mortgage loans, and (iv) a Data Integrity Review on 99 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 99 mortgage loans; 85 mortgage loans had a rating grade of A, 14 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp; ***Grades per loan (99 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (99 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (99 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (99 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;**NRSRO <br> Grade** | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;12.12% | &nbsp;&nbsp;A | &nbsp;&nbsp;85 | &nbsp;&nbsp;85 | &nbsp;&nbsp;85.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.03% | &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;14.14% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;23 | &nbsp;&nbsp;23 | &nbsp;&nbsp;23.23% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;61 | &nbsp;&nbsp;61 | &nbsp;&nbsp;61.62% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **10**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ***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** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;99 | &nbsp;&nbsp;99 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;85 | &nbsp;&nbsp;85 | &nbsp;&nbsp;85.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;14.14% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;99 | &nbsp;&nbsp;99 | &nbsp;&nbsp;100.00% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

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

Page **5** of **10**

claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **10**

**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 **10**

**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 **10**

&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 **10**

**APPENDIX B – 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

○ 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.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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

## Exhibit 99.13

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.13 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2111903 |  | XXXX | XXXX D A |
| 2093400 |  |  | XXXX D A C B |
| 2116764 |  |  | XXXX D A |
| 2116745 |  |  | XXXX D A B |
| 2116766 |  |  | XXXX C A B |
| 2092648 |  |  | XXXX A |
| 2116757 |  |  | XXXX D A B |
| 2116758 |  |  | XXXX D A |
| 2116779 |  |  | XXXX D A B |
| 2116778 |  |  | XXXX D A |
| 2116754 |  |  | XXXX C A |
| 2116768 |  |  | XXXX A D |
| 2116769 |  |  | XXXX A |
| 2116773 |  |  | XXXX A D |
| 2116776 |  |  | XXXX D A |
| 2116750 |  |  | XXXX D A |
| 2116765 |  |  | XXXX D A |
| 2116752 |  |  | XXXX D C A |
| 2116775 |  |  | XXXX D A |
| 2116748 |  |  | XXXX C A |
| 2116747 |  |  | XXXX D A B |
| 2116756 |  |  | XXXX C D A B |
| 2116767 |  |  | XXXX A |
| 2116763 |  |  | XXXX D A B |
| 2116781 |  |  | XXXX D A |
| 2116770 |  |  | XXXX D A |
| 2116771 |  |  | XXXX D A |
| 2116755 |  |  | XXXX B A |
| 2116762 |  |  | XXXX B A |
| 2116760 |  |  | XXXX B A |
| 2116761 |  |  | XXXX B A D |
| 2116744 |  |  | XXXX A D |
| 2116774 |  |  | XXXX A |
| 2116782 |  |  | XXXX D A |
| 2116783 |  |  | XXXX D A |
| 2116784 |  |  | XXXX D A |
| 2116746 |  |  | XXXX D A B |
| 2116751 |  |  | XXXX C D A |
| 2116777 |  |  | XXXX D A |
| 2116753 |  |  | XXXX D A B |
| 2116759 |  |  | XXXX A |
| 2116780 |  |  | XXXX A |
| 2116772 |  |  | XXXX A |
| 2115817 |  |  | XXXX D A |
| 2109834 |  |  | XXXX D A |
| 2109826 |  |  | XXXX A C |
| 2104442 |  |  | XXXX A D |
| 2109833 |  |  | XXXX C D A |
| 2115771 |  |  | XXXX D A |
| 2115822 |  |  | XXXX D A |
| 2109839 |  |  | XXXX C A |
| 2109846 |  |  | XXXX C A D |
| 2109808 |  |  | XXXX D A |
| 2109812 |  |  | XXXX D C A |
| 2109845 |  |  | XXXX C A D |
| 2109822 |  |  | XXXX D C A |
| 2109821 |  |  | XXXX C A |
| 2109830 |  |  | XXXX A |
| 2109847 |  |  | XXXX A |
| 2109813 |  |  | XXXX A |
| 2109807 |  |  | XXXX C A |
| 2109815 |  |  | XXXX C A |
| 2109819 |  |  | XXXX C A D |
| 2109820 |  |  | XXXX A |
| 2109848 |  |  | XXXX C A |
| 2115780 |  |  | XXXX C A |
| 2109805 |  |  | XXXX C A |
| 2109804 |  |  | XXXX A D |
| 2115816 |  |  | XXXX D A |
| 2115809 |  |  | XXXX C D A |
| 2109816 |  |  | XXXX C A |
| 2115810 |  |  | XXXX C D A |
| 2109843 |  |  | XXXX C A D |
| 2115786 |  |  | XXXX D A |
| 2109836 |  |  | XXXX D A |
| 2115774 |  |  | XXXX A C D |
| 2115831 |  |  | XXXX C D A |
| 2109800 |  |  | XXXX A D |
| 2115826 |  |  | XXXX C A D |
| 2109823 |  |  | XXXX C A |
| 2115791 |  |  | XXXX D A |
| 2115805 |  |  | XXXX C A |
| 2115825 |  |  | XXXX C A |
| 2115795 |  |  | XXXX C A |
| 2115781 |  |  | XXXX C A |
| 2115792 |  |  | XXXX C A |
| 2115815 |  |  | XXXX D C A |
| 2115824 |  |  | XXXX C A |
| 2115776 |  |  | XXXX C A |
| 2115794 |  |  | XXXX C D A |
| 2115802 |  |  | XXXX C A |
| 2115827 |  |  | XXXX C A D |
| 2115806 |  |  | XXXX C A D |
| 2115800 |  |  | XXXX C A |
| 2115790 |  |  | XXXX C D A |
| 2115787 |  |  | XXXX D A |
| 2119376 |  |  | XXXX C A |
| 2117013 |  |  | XXXX A |
| 2119377 |  |  | XXXX D A |

---

## Exhibit 99.13

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.13 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 2111903 |  | XXXX | Closed | 2025-09-08 14:55 | 2025-09-11 07:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved, LE with COC received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC for recording fee and LE for XX/XX are attached - Seller-XX/XX/XXXX <br>Counter-Received LE with recording fee added, no change of circumstance provided for added fee.<br> Received change of circumstance date for the final closing disclosure, for changes occurring on the initial closing disclosure - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($X.XX). The total amount of fees in the XX% category cannot exceed ($X.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Recording Fee added on the initial closing disclosure, no change of circumstance in file - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC for recording fee and LE for XX/XX are attached - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, LE with COC received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5457152 | N/A | N/A |
| XXXX | 2111903 |  | XXXX | Closed | 2025-09-08 14:55 | 2025-09-11 07:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved, LE with COC received - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Duplcate condition please remove - Seller-XX/XX/XXXX <br> Open-The total amount of the XX% category fees ($XXX.XX) has increased by more than XX% over the current baseline value of ($X.XX). The total amount of fees in the XX% category cannot exceed ($X.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Recording Fee added on the initial closing disclosure, no change of circumstance in file - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Duplcate condition please remove - Seller-XX/XX/XXXX<br>| Resolved-Resolved, LE with COC received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5457153 | N/A | N/A |
| XXXX | 2111903 |  | XXXX | Closed | 2025-09-08 14:55 | 2025-09-11 07:53 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-Resolved, received PCCD - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD uploaded - Seller-XX/XX/XXXX <br>Counter-PCCD issued, showing same issue date as the final closing disclosure - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) Final Closing disclosure prepaid interest date is listed as the closing date - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD uploaded - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received PCCD - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5457154 | N/A | N/A |
| XXXX | 2111903 |  | XXXX | Closed | 2025-09-03 04:01 | 2025-09-08 15:04 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Missing secondary valuation, AVM not allowed to be utilized as secondary valuation. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Missing desk review from file - Due Diligence Vendor-XX/XX/XXXX | CDA provided - XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5389482 | N/A | N/A |
| XXXX | 2111903 |  | XXXX | Closed | 2025-09-03 05:01 | 2025-09-08 15:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Received initial closing disclosure, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Missing initial closing disclosure - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure. - 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<br>| Resolved-Received initial closing disclosure, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5389896 | N/A | N/A |
| XXXX | 2111903 |  | XXXX | Closed | 2025-09-03 08:40 | 2025-09-08 13:02 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Lender does not require an affiliated business disclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Real TPO doesn't have an affiliation with anyone, therefore the disclosure didnt print. Please waive conditions - Seller-XX/XX/XXXX <br>Open-Affiliated Business Disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-Real TPO doesn't have an affiliation with anyone, therefore the disclosure didnt print. Please waive conditions - Seller-XX/XX/XXXX<br>| Resolved-Lender does not require an affiliated business disclosure. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5393006 | N/A | N/A |
| XXXX | 2111903 |  | XXXX | Closed | 2025-09-03 03:56 | 2025-09-05 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. Post close report received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Gap report is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Gap Credit Report is not missing. Post close report received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5389462 | N/A | N/A |
| XXXX | 2111903 |  | XXXX | Closed | 2025-09-03 05:13 | 2025-09-05 03:08 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Loan approval cert missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5389961 | N/A | N/A |
| XXXX | 2111903 |  | XXXX | Closed | 2025-09-03 03:21 | 2025-09-05 03:07 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - 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. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5389291 | N/A | N/A |
| XXXX | 2093400 |  |  | Closed | 2025-10-01 14:49 | 2025-11-10 08:44 | Resolved | 1 - Information C A | Property | Property | No HOA fees on appraisal and property identified as a PUD | Resolved-Corrective addendum removing PUD received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-DOT has a PUD rider. Appraisal does not support PUD. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Corrective addendum removing PUD received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 5742212 | N/A | N/A |
| XXXX | 2093400 |  |  | Closed | 2025-10-01 15:09 | 2025-10-10 09:07 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Clarification received, narrative confirms service. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Expense factor used for income calculation is greater than what is supported by business narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Clarification received, narrative confirms service. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 5742547 | N/A | N/A |
| XXXX | 2093400 |  |  | Closed | 2025-09-29 05:58 | 2025-10-06 09:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property tax received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Evidence of Property Tax is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Property tax received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 5698920 | N/A | N/A |
| XXXX | 2093400 |  |  | Closed | 2025-09-29 08:22 | 2025-10-03 02:20 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-As per FICO method, the primary wage earner has an audited qualifying FICO score of XXX; however, the lender's approval reflects Lower Mid Score of XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 5701294 | N/A | N/A |
| XXXX | 2093400 |  |  | Closed | 2025-09-30 16:52 | 2025-10-01 14:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Borrower has XX NSFs within the last XX months. Exception page XXX - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Loan does not conform to program guidelines Borrower has XX NSFs within the last XX months. Exception page XXX - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | Reserves XX.XX required X<br> Self employment XX+ years | TX | Primary Residence | Purchase | NA | 5726723 | Originator Pre-Close | Yes |
| XXXX | 2093400 |  |  | Closed | 2025-09-29 08:09 | 2025-10-01 15:17 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 5701004 | N/A | N/A |
| XXXX | 2116764 |  |  | Closed | 2025-10-07 14:38 | 2025-11-10 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received Business Purpose Affidavit. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Received the Business Purpose Affidavit but it is not signed or stamped by the Notary. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VXX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Provide Notary signature/stamp on the Business Purpose & Occupancy Affidavit. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received Business Purpose Affidavit. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 5811747 | N/A | N/A |
| XXXX | 2116764 |  |  | Closed | 2025-10-04 22:28 | 2025-10-09 12:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Received lock agreement. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide evidence of Rate Lock.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Received lock agreement. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 5776296 | N/A | N/A |
| XXXX | 2116745 |  |  | Closed | 2025-10-17 01:10 | 2025-11-06 06:55 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(f)(X)(X)). Provide valid COC or lender credit to cure the tolerance. COC's need to be disclosed within X days. COC dated XX/XX/XX needs to be disclosed by XX/XX/XX. LE dated XX/XX/XX is outside of the X day window. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX<br>|  | XXXX |  |  | MI | Primary Residence | Purchase | NA | 5926707 | N/A | N/A |
| XXXX | 2116745 |  |  | Closed | 2025-10-17 01:21 | 2025-11-04 15:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Approval provided in Findings XX/XX/XX:<br> Prime Non-Agency program, seeking XX% down on primary residence purchase. Qualifying credit score for borrowers is XXX (also a XXX for the lesser earner).<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Waived-Audited XXXX of XX% exceeds Guideline XXXX of XX% Exception Approval provided in Findings XX/XX/XX:<br> Prime Non-Agency program, seeking XX% down on primary residence purchase. Qualifying credit score for borrowers is XXX (also a XXX for the lesser earner). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Counter-Received request to clear. Unable to clear without Lender Exception or new pricing. The Primary Wage Earner score is XXX. For the Alt Doc Bank statement purchase program, the XXX score qualifies at XX%. The XXXX provided also lists a XXX credit score. A credit score of XXX is needed to go up to a XX% XXXX for the Alt Doc-Purchase pricing for the Bank statement income used. Countered - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Per guidelines for program XXXXXXXXX ALT DOC limit is XX%. Please clear - XXXXXX-XX/XX/XXXX <br>Open-Audited XXXX of XX% exceeds Guideline XXXX of XX% Provide Exception Approval for guidelines exceeding XX% or updated pricing to meet XXXX guideline. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Ready for Review-Per guidelines for program XXXXXXXXX ALT DOC limit is XX%. Please clear - XXXXXX-XX/XX/XXXX<br>| Waived-Exception Approval provided in Findings XX/XX/XX:<br> Prime Non-Agency program, seeking XX% down on primary residence purchase. Qualifying credit score for borrowers is XXX (also a XXX for the lesser earner).<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Waived-Audited XXXX of XX% exceeds Guideline XXXX of XX% Exception Approval provided in Findings XX/XX/XX:<br> Prime Non-Agency program, seeking XX% down on primary residence purchase. Qualifying credit score for borrowers is XXX (also a XXX for the lesser earner). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Qualifying XXXX less than XX%, AND at least XX% less than guideline maximum.<br> Housing payment history is XxXXxXX or better.<br> Monthly reserves is verified AND at least X months more than guideline minimum. | MI | Primary Residence | Purchase | NA | 5926739 | Originator Pre-Close | Yes |
| XXXX | 2116745 |  |  | Closed | 2025-10-16 23:23 | 2025-10-28 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Xrd Party VOE for Borrower X. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Purchase | NA | 5926222 | N/A | N/A |
| XXXX | 2116745 |  |  | Closed | 2025-10-17 01:08 | 2025-10-21 13:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Rate lock agreement. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide Evidence of Rate Lock. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Received Rate lock agreement. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Purchase | NA | 5926705 | N/A | N/A |
| XXXX | 2116745 |  |  | Closed | 2025-10-17 01:10 | 2025-10-21 13:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date is missing. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan does not meet XXXX guidelines. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date is missing. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan does not meet XXXX guidelines. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date is missing. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan does not meet XXXX guidelines. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date is missing. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan does not meet XXXX guidelines. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Purchase | NA | 5926706 | N/A | N/A |
| XXXX | 2116766 |  |  | Closed | 2025-10-19 23:51 | 2025-10-28 02:47 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Requested September Month Statement provided for Business, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide XXXXXXXXXXXXXXXXXXXXXXXXX business bank statements ending in #XXXX for the month of XX-XX-XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested September Month Statement provided for Business, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | KY | Primary Residence | Purchase | NA | 5942773 | N/A | N/A |
| XXXX | 2116766 |  |  | Closed | 2025-10-19 03:26 | 2025-10-21 15:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Audited XXXX of XXX is less than Guideline XXXX of XXX Exception provided on page #XXX. Request for XX% LTV with XXX credit score, normally requires XXX as Alt Doc purchase. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Audited XXXX of XXX is less than Guideline XXXX of XXX Exception provided on page #XXX. Request for XX% LTV with XXX credit score, normally requires XXX as Alt Doc purchase. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> DTI is XX.XX%. Maximum allowed per guidelines is XX.<br> Residual Income is $XX,XXX.XX. Minimum Residual Income required per guidelines is $X,XXX. | KY | Primary Residence | Purchase | NA | 5941063 | Originator Pre-Close | Yes |
| XXXX | 2116757 |  |  | Closed | 2025-10-24 05:00 | 2025-11-04 06:36 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | . | FL | Primary Residence | Purchase | NA | 6001444 | N/A | N/A |
| XXXX | 2116757 |  |  | Closed | 2025-10-20 10:08 | 2025-11-04 06:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Audited XXXX of XX% exceeds Guideline XXXXX of XX% Exception provided on page #XXX. Requested for LTV at XX% with credit score of XXX program requires XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Audited XXXX of XX% exceeds Guideline XXXXX of XX% Exception provided on page #XXX. Requested for LTV at XX% with credit score of XXX program requires XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Borrower has worked in same industry more than XX years.<br> Months required reserves X. Borrower has XX.XX months reserves.<br> Required housing payment history required XxXXxXXHousing payment history is XxXXxXX. | FL | Primary Residence | Purchase | NA | 5947648 | Originator Pre-Close | Yes |
| XXXX | 2116757 |  |  | Closed | 2025-10-20 10:08 | 2025-11-04 06:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Audited XXXX of XX% exceeds Guideline XXXX of XX% Exception provided on page #XXX. Requested for LTV at XX% with credit score of XXX program requires XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Client elects to waive with the following compensating factors: - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Audited XXXX of XX% exceeds Guideline XXXX of XX% Exception provided on page #XXX. Requested for LTV at XX% with credit score of XXX program requires XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Borrower has worked in same industry more than XX years.<br> Months required reserves X. Borrower has XX.XX months reserves.<br> Required housing payment history required XxXXxXXHousing payment history is XxXXxXX. | FL | Primary Residence | Purchase | NA | 5947647 | Originator Pre-Close | Yes |
| XXXX | 2116757 |  |  | Closed | 2025-10-20 12:46 | 2025-11-04 05:17 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Resolved, received new XXXX and bank statement calculator. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br>Counter-Counter, The originator's DTI is XX.XX%, while the audited DTI is XX.XX%. The discrepancy is due to Borrower X's income being listed as $XX,XXX.XX on the final XXXX and XXXX, whereas the audited qualifying income is $XX,XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DISAGREE - Revisions to the income calculator were made per the review, the income is now $XX,XXX.XX - XXXXXX-XX/XX/XXXX <br>Open-The originator's DTI is XX.XX%, while the audited DTI is XX.XX%. The discrepancy is due to Borrower X's income being listed as $XX,XXX.XX on the final XXXX and XXXX, whereas the audited qualifying income is $XX,XXX.XX. XX/XX/XXXX per audited review X,XXX exclusion for transfer missed. XX/XX/XXXX lender excluded XXXX transfer however full amount of transfer was X,XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DISAGREE - Revisions to the income calculator were made per the review, the income is now $XX,XXX.XX - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved, received new XXXX and bank statement calculator. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 5949785 | N/A | N/A |
| XXXX | 2116757 |  |  | Closed | 2025-10-20 09:26 | 2025-11-04 05:16 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Resolved, received VOMs verify housing history per guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX <br>Counter-Counter, received closing disclosures. Missing XX month housing history 0X30 - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Borrower currently living in own house from last X years showing on final XXXX. However Credit report page XXX mortgage account: XXXXXXXXXX ending XXXX months history showing X months. Required minimum XX months of housing history to meet GL requirement. Missing XX month housing history. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received VOMs verify housing history per guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 5946739 | N/A | N/A |
| XXXX | 2116757 |  |  | Closed | 2025-10-20 10:08 | 2025-11-04 05:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Audited LTV of XX% exceeds Guideline LTV of XX% Client elects to waive with the following compensating factors<br> Exception provided on page #XXX. Requested for LTV at XX% with credit score of XXX program requires XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Audited LTV of XX% exceeds Guideline LTV of XX% Client elects to waive with the following compensating factors<br> Exception provided on page #XXX. Requested for LTV at XX% with credit score of XXX program requires XXX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | Borrower has worked in same industry more than XX years.<br> Months required reserves X. Borrower has XX.XX months reserves.<br> Required housing payment history required 0x30xXXHousing payment history is 0x30xXX. | FL | Primary Residence | Purchase | NA | 5947649 | Originator Pre-Close | Yes |
| XXXX | 2116757 |  |  | Closed | 2025-10-22 11:01 | 2025-10-24 05:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Resolved, received business narrative. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Missing business narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received business narrative. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 5974364 | N/A | N/A |
| XXXX | 2116757 |  |  | Closed | 2025-10-21 02:59 | 2025-10-24 05:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure File only contains initial LE and final CD. Provide all revised LE's and CD's with COC's and tracking information. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Requested Initial CD provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 5954577 | N/A | N/A |
| XXXX | 2116757 |  |  | Closed | 2025-10-20 12:38 | 2025-10-24 02:58 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Requested Missing June Month Statement provided for BX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower X income qualified with XX months Personal bank statements, however missing account ending #XXXX month of (XX-XX-XXXX) statement is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Requested Missing June Month Statement provided for BX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 5949663 | N/A | N/A |
| XXXX | 2116757 |  |  | Closed | 2025-10-24 05:00 | 2025-11-04 06:26 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved, received breakdown of lender credit. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Counter-Counter initial LE shows transfer taxes as $X,XXX and final closing disclosure shows transfer taxes paid by borrower a total of $X,XXX with the seller paying X,XXX.XX. Transfer taxes decreased for the borrower. Fees for the borrower between the initial LE and final CD do not go up. LE in file dated XX/XX/XXXX with no other LE's in file. CDs in file are dated XX/XX/XXXX and XX/XX/XXXX with no other CD's present in file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Need more information - we cured the transfer taxes for $XXX which is the lender credit on the CD. - Seller-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Ready for Review-Need more information - we cured the transfer taxes for $XXX which is the lender credit on the CD. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received breakdown of lender credit. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6001445 | N/A | N/A |
| XXXX | 2116758 |  |  | Closed | 2025-10-27 12:42 | 2025-11-04 05:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Resolved, received business purpose affidavit. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is Conventional.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Missing business purpose affidavit. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received business purpose affidavit. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is Conventional.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CT | Investment | Refinance | Cash Out - Other | 6026687 | N/A | N/A |
| XXXX | 2116758 |  |  | Closed | 2025-10-27 12:38 | 2025-10-29 13:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved, received initial CD. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing initial CD. Provide and revised LE's, revised CD's, Change of circumstances, and tracking information. The only disclosures in file are the initial LE dated XX/XX/XXXX, revised LE dated XX/XX/XXXX, and final CD dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received initial CD. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CT | Investment | Refinance | Cash Out - Other | 6026627 | N/A | N/A |
| XXXX | 2116758 |  |  | Closed | 2025-10-27 11:07 | 2025-10-29 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Resolved, received business narrative with all requirements. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Missing business narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received business narrative with all requirements. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CT | Investment | Refinance | Cash Out - Other | 6024730 | N/A | N/A |
| XXXX | 2116779 |  |  | Closed | 2025-10-27 00:39 | 2025-11-04 05:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Audited LTV of XX% exceeds XXXXXXXX LTV of XX% Client elects to waive with the following compensating factors:" <br> We have Exception in loan file on page #XXX for "Borrower has a XXX FICO score, requesting XX% LTV", - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Audited LTV of XX% exceeds XXXXXXXX LTV of XX% Client elects to waive with the following compensating factors:" <br> We have Exception in loan file on page #XXX for "Borrower has a XXX FICO score, requesting XX% LTV", - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | DTI is XX.XX%. Maximum allowed per XXXXXXXX is XX%.<br> Residual Income is $$XX,XXX.XX. Minimum Residual Income required per XXXXXXXX is $XXXX. <br> Years in Job is X Years+, Required is X Years. | CO | Primary Residence | Purchase | NA | 6018127 | Originator Pre-Close | Yes |
| XXXX | 2116779 |  |  | Closed | 2025-10-27 10:44 | 2025-11-04 05:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Resolved, received business narrative. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Counter-Counter, Per XXXXXXXX business narrative requirement below. Business narrative provided is missing key requirements.<br> Business narrative providing details of the business and size/scope, including:<br> o Description of business / business profile<br> X Number of employees<br> o Location(s) and rent, if applicable<br> o Estimated cost of goods sold, if applicable<br> X Equipment/materials/trucks<br> o Commercial or retail client base - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Missing business narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received business narrative. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 6024285 | N/A | N/A |
| XXXX | 2116779 |  |  | Closed | 2025-10-27 00:39 | 2025-10-27 10:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of XX% exceeds XXXXXXXX HCLTV of XX% Client elects to waive with the following compensating factors:" <br> We have Exception in loan file on page #XXX for "Borrower has a XXX FICO score, requesting XX% LTV", - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Audited HLTV of XX% exceeds XXXXXXXX HCLTV of XX% Client elects to waive with the following compensating factors:" <br> We have Exception in loan file on page #XXX for "Borrower has a XXX FICO score, requesting XX% LTV", - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | DTI is XX.XX%. Maximum allowed per XXXXXXXX is XX%.<br> Residual Income is $$XX,XXX.XX. Minimum Residual Income required per XXXXXXXX is $XXXX. <br> Years in Job is X Years+, Required is X Years. | CO | Primary Residence | Purchase | NA | 6018126 | Originator Pre-Close | Yes |
| XXXX | 2116779 |  |  | Closed | 2025-10-27 00:39 | 2025-10-27 09:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Audited CLTV of XX% exceeds XXXXXXXX CLTV of XX% Client elects to waive with the following compensating factors:" <br> We have Exception in loan file on page #XXX for "Borrower has a XXX FICO score, requesting XX% LTV", - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Audited CLTV of XX% exceeds XXXXXXXX CLTV of XX% Client elects to waive with the following compensating factors:" <br> We have Exception in loan file on page #XXX for "Borrower has a XXX FICO score, requesting XX% LTV", - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | DTI is XX.XX%. Maximum allowed per XXXXXXXX is XX%.<br> Residual Income is $$XX,XXX.XX. Minimum Residual Income required per XXXXXXXX is $XXXX. <br> Years in Job is X Years+, Required is X Years. | CO | Primary Residence | Purchase | NA | 6018125 | Originator Pre-Close | Yes |
| XXXX | 2116779 |  |  | Closed | 2025-10-27 01:32 | 2025-10-27 01:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML XXXXXXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML XXXXXXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 6018362 | N/A | N/A |
| XXXX | 2116778 |  |  | Closed | 2025-10-27 01:03 | 2025-11-04 00:16 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested Final title policy provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide title coverage sufficient to cover the loan amount of $XXX,XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested Final title policy provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CO | Investment | Purchase | NA | 6018218 | N/A | N/A |
| XXXX | 2116778 |  |  | Closed | 2025-10-28 15:08 | 2025-10-29 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business Narrative received. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Open-Provide Business Narrative. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Business Narrative received. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CO | Investment | Purchase | NA | 6044188 | N/A | N/A |
| XXXX | 2116754 |  |  | Closed | 2025-10-29 00:12 | 2025-11-06 13:53 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Received LOE advising XXX XXXXXXX XXXX property is owned by Business. Borrower lives rent free. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXX Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXX Requirements Provide executed rent free letter from Relative confirming borrower has no monthly obligation. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received LOE advising XXX XXXXXXX XXXX property is owned by Business. Borrower lives rent free. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXX Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IN | Investment | Refinance | Cash Out - Other | 6047145 | N/A | N/A |
| XXXX | 2116754 |  |  | Closed | 2025-10-28 23:26 | 2025-11-05 10:32 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated title report correcting loan amount. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Preliminary Title Coverage is insufficient for $XXX,XXX Loan Amount - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title Coverage sufficient to cover the loan amount of $XXX,XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received updated title report correcting loan amount. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IN | Investment | Refinance | Cash Out - Other | 6046996 | N/A | N/A |
| XXXX | 2116768 |  |  | Closed | 2025-10-30 00:05 | 2025-11-04 12:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested Rate lock provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide evidence of Rate Lock. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested Rate lock provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | KY | Investment | Refinance | Cash Out - Other | 6062285 | N/A | N/A |
| XXXX | 2116773 |  |  | Closed | 2025-10-30 06:12 | 2025-11-04 12:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested Rate lock provided, updated & condition resolved.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. pLEASE SEE ATTACHED - XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide Evidence of Rate Lock. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. pLEASE SEE ATTACHED - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested Rate lock provided, updated & condition resolved.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | 6064533 | N/A | N/A |
| XXXX | 2116776 |  |  | Closed | 2025-11-04 10:55 | 2025-11-06 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Open-Provide Business Narrative. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Received Business Narrative. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6119345 | N/A | N/A |
| XXXX | 2116776 |  |  | Closed | 2025-10-30 07:27 | 2025-11-06 03:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested DOT Provided with associated Riders, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Provide fully executed Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Provide fully executed Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Requested DOT Provided with associated Riders, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6065756 | N/A | N/A |
| XXXX | 2116750 |  |  | Closed | 2025-11-05 04:48 | 2025-11-05 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Resolved, received XX/XXXX bank statement for income calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Personal Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Sept statement - Seller-XX/XX/XXXX <br>Open-Borrower X Personal Bank Statements Missing Missing bank statement for September XXXX with deposits of XX,XXX.XX. Per income calculator statement was used for qualifying income. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Sept statement - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received XX/XXXX bank statement for income calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Personal Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 6129379 | N/A | N/A |
| XXXX | 2116750 |  |  | Closed | 2025-11-05 05:54 | 2025-11-05 09:36 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Resolved, received XX/XXXX bank statement used to calculate income. Updated income calculation using new bank statement. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited HTI/DTI is XX.XX%/XX.XX% vs. originator's XX.XX%/XX.XX%, DTI discrepancy due to income variance ($XX,XXX.XX on XXXX & Final XXXX vs. audited $XX,XXX.XX). - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved, received XX/XXXX bank statement used to calculate income. Updated income calculation using new bank statement. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 6130037 | N/A | N/A |
| XXXX | 2116765 |  |  | Closed | 2025-11-04 08:25 | 2025-11-13 12:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6114104 | N/A | N/A |
| XXXX | 2116752 |  |  | Closed | 2025-11-04 13:19 | 2025-11-12 06:26 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Resolved. Fully executed Initial XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Missing Originator signature - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Fully executed Initial XXXX provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 6122911 | N/A | N/A |
| XXXX | 2116752 |  |  | Closed | 2025-11-06 06:17 | 2025-11-12 06:25 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Resolved. Updated lease increases provided. DSCR meets XX's. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Disagree with findings - updated lease in file showing increase in both units - Unit A increased to $ XXXX per month and Unit B increased to $XXXX - total of $XXXX which was used to qualify - see attached - Seller-XX/XX/XXXX <br>Open-Audited DSCR based on lease documentation provided does not meet DSCR of X.XX%. Per Leases, each unit rent is $XXX per month or $XXXX Total Rent. $XXXX/$XXXX.XX= X.XXX DSCR. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Disagree with findings - updated lease in file showing increase in both units - Unit A increased to $ XXXX per month and Unit B increased to $XXXX - total of $XXXX which was used to qualify - see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Updated lease increases provided. DSCR meets XX's. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 6151393 | N/A | N/A |
| XXXX | 2116752 |  |  | Closed | 2025-11-04 13:46 | 2025-11-12 06:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Resolved. Updated lease increase documentation provided. $XXXX per unit x X= $XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Disagree with findings - updated lease in file showing increase in both units - Unit A increased to $ XXXX per month and Unit B increased to $XXXX - total of $XXXX which was used to qualify - see attached - Seller-XX/XX/XXXX <br>Counter-Leases provided verify $XXX per unit, or $XXXX total Rent. Does not match $XXXX per unit, or $XXXX used for DSCR Calculation. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Lease agreement for Unit A verifying increase to $XXXX misisng. Most recent increase, dated XX/XX/XXXX only reflects increase to $XXX per month. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Disagree with findings - updated lease in file showing increase in both units - Unit A increased to $ XXXX per month and Unit B increased to $XXXX - total of $XXXX which was used to qualify - see attached - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Updated lease increase documentation provided. $XXXX per unit x X= $XXXX - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 6123501 | N/A | N/A |
| XXXX | 2116752 |  |  | Closed | 2025-11-03 02:20 | 2025-11-06 02:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Requested Third Party Fraud Report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Third Party Fraud Report Partially Provided Missing Third Party Fraud Report The file does not have the Drive Report. OFAC for Borrower within credit report and and LPA only on page XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Requested Third Party Fraud Report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 6094228 | N/A | N/A |
| XXXX | 2116775 |  |  | Closed | 2025-11-04 05:19 | 2025-11-05 10:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved, received initial closing disclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure, disclosure, tracking, and change of circumstance if applicable. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received initial closing disclosure. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 6111051 | N/A | N/A |
| XXXX | 2116775 |  |  | Closed | 2025-11-05 07:27 | 2025-11-05 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Resolved, received business narrative for both borrowers. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX <br>Open-Missing business narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received business narrative for both borrowers. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 6131275 | N/A | N/A |
| XXXX | 2116748 |  |  | Closed | 2025-11-02 21:48 | 2025-11-06 12:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received Final CD for borrowed funds. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan closed simultaneously showing final CD proof of receipt of funds of at least $XXXX to support reserves for this transaction - see attached final CD - showing more than $XXXX cash back to support reserves - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Provide proof of the secured borrowed funds in the amount of $X,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Loan closed simultaneously showing final CD proof of receipt of funds of at least $XXXX to support reserves for this transaction - see attached final CD - showing more than $XXXX cash back to support reserves - Seller-XX/XX/XXXX<br>| Resolved-Received Final CD for borrowed funds. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Investment | Refinance | No Cash Out - Borrower Initiated | 6093261 | N/A | N/A |
| XXXX | 2116747 |  |  | Closed | 2025-11-04 15:29 | 2025-11-06 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NH | Primary Residence | Purchase | NA | 6125539 | N/A | N/A |
| XXXX | 2116747 |  |  | Closed | 2025-11-02 20:58 | 2025-11-06 02:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE provided, updated & condition 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. Search date was XX/XX - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Borrower Xrd Party VOE prior to closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Search date was XX/XX - Seller-XX/XX/XXXX<br>| Resolved-Requested Xrd Party VOE provided, updated & condition 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>| XXXX |  |  | NH | Primary Residence | Purchase | NA | 6093150 | N/A | N/A |
| XXXX | 2116747 |  |  | Closed | 2025-11-02 22:59 | 2025-11-04 15:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% Exception in file on pg#XXX:<br> Credit score exception to allow XX% LTV with a XXX score. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% Exception in file on pg#XXX:<br> Credit score exception to allow XX% LTV with a XXX score. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | Borrower has worked in same industry more than X years<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Borrower Housing History is XXXXXX, XX months. Housing History required per guidelines is XXXXXX, XX months. | NH | Primary Residence | Purchase | NA | 6093503 | Originator Pre-Close | Yes |
| XXXX | 2116756 |  |  | Closed | 2025-11-05 04:18 | 2025-11-07 09:55 | Resolved | 1 - Information C A | Credit | Assets | Asset 8 Does Not Meet Guideline Requirements | Resolved-Resolved. Documentation provided verifying Wires/Deposits. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached. - Seller-XX/XX/XXXX <br>Open-Asset X Does Not Meet Guideline Requirements Provide Gift amount of $XXX,XXX. Proof of deposit needed. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Documentation provided verifying Wires/Deposits. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6129117 | N/A | N/A |
| XXXX | 2116756 |  |  | Closed | 2025-11-05 04:18 | 2025-11-07 09:55 | Resolved | 1 - Information C A | Credit | Assets | Asset 9 Does Not Meet Guideline Requirements | Resolved-Resolved. Gift check provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Asset X Does Not Meet Guideline Requirements Provide Gift amount of $XX,XXX. Proof of deposit is needed. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Gift check provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6129118 | N/A | N/A |
| XXXX | 2116756 |  |  | Closed | 2025-11-05 05:12 | 2025-11-07 01:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide evidence of Rate Lock. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6129596 | N/A | N/A |
| XXXX | 2116756 |  |  | Closed | 2025-11-05 06:44 | 2025-11-07 00:22 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Income documentation for the borrower's "Other Income X" with a monthly qualified amount of $X,XXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached $XXXX + $XXXX = $X,XXX - Seller-XX/XX/XXXX <br>Open-Provide income documentation for the borrower's "Other Income X" with a monthly qualified amount of $X,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached $XXXX + $XXXX = $X,XXX - Seller-XX/XX/XXXX<br>| Resolved-Income documentation for the borrower's "Other Income X" with a monthly qualified amount of $X,XXX provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6130641 | N/A | N/A |
| XXXX | 2116756 |  |  | Closed | 2025-11-05 05:27 | 2025-11-05 11:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% As per GL matrix max DTI is XX%, however audited DTI is XX.XX%, an Exception provided on page #XXX requested for current DTI over XX% while including new home and prior residence (Borrower is going to rent the property after he moves out, but did not yet post it, ratio will be XX% once rented at market level) - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXX |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> LTV is XX%. Maximum allowed per guidelines is XX%.<br> Borrower Housing History is XXXXXX, XX months. Housing History required per guidelines is XXXXXX, XX months. | FL | Primary Residence | Purchase | NA | 6129763 | Originator Pre-Close | Yes |
| XXXX | 2116763 |  |  | Closed | 2025-11-06 08:17 | 2025-11-10 03:56 | Resolved | 1 - Information C A | Credit | Eligibility | Credit history does not meet guidelines | Resolved-Resolved, received verification that student loans will be deferred outside of XX months. Deferred until XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Missing written verification that student loans will be deferred outside of XX months. <br> Guidelines: Student loan payments may be excluded with written evidence that the debt will be deferred to a period outside the XX month timeframe - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received verification that student loans will be deferred outside of XX months. Deferred until XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | RI | Primary Residence | Purchase | NA | 6153352 | N/A | N/A |
| XXXX | 2116763 |  |  | Closed | 2025-11-06 09:06 | 2025-11-10 03:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Resolved, received business narrative. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX <br>Open-Missing business narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received business narrative. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | RI | Primary Residence | Purchase | NA | 6154403 | N/A | N/A |
| XXXX | 2116763 |  |  | Closed | 2025-11-05 11:49 | 2025-11-06 07:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Client elects to waive with the following compensating factors:<br> Exception provided provided on page XXX. Exception requested for Exceed max payment shock for a FTHB - borrowers payment shock is XXX% compared to $XXXX prior rent. First-time homebuyers who have never owned a residential property may not exceed a <br> XXX% Payment Shock ratio - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Loan does not conform to program guidelines Client elects to waive with the following compensating factors:<br> Exception provided provided on page XXX. Exception requested for Exceed max payment shock for a FTHB - borrowers payment shock is XXX% compared to $XXXX prior rent. First-time homebuyers who have never owned a residential property may not exceed a <br> XXX% Payment Shock ratio - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Borrower Housing History is XX X30, XX months. Housing History required per guidelines is XX X30, XX months.<br> Borrower Residual income $X,XXX.XX, Residual Income requirements $X,XXX per guidelines | RI | Primary Residence | Purchase | NA | 6141471 | Originator Pre-Close | Yes |
| XXXX | 2116763 |  |  | Closed | 2025-11-05 11:08 | 2025-11-10 04:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved, The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) Resolved, The loan meets XXXX guidelines.This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.XX(a)(X)). Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved, The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) Resolved, The loan meets XXXX guidelines.This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.XX(a)(X)). Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | RI | Primary Residence | Purchase | NA | 6140376 | N/A | N/A |
| XXXX | 2116781 |  |  | Closed | 2025-11-07 02:13 | 2025-11-11 07:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of rate lock received. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-Evidence not Rate lock not attached. Please re-submit attachment. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-See attached - XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide evidence of Rate lock. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-See attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of rate lock received. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6166597 | N/A | N/A |
| XXXX | 2116781 |  |  | Closed | 2025-11-07 02:32 | 2025-11-11 07:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(f)(X)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(f)(X)(v)). Provide Change of Circumstance for the Inspection Fee of $XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Received COC. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6166684 | N/A | N/A |
| XXXX | 2116781 |  |  | Closed | 2025-11-11 07:12 | 2025-11-11 07:33 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Appraisal Desk Review Fee (Fee ID: 135) | Resolved-Corrected XX Fee to Inspection fee. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Section X:X-XX.X of the XXX XXXXXXX Mortgage Loans, Fees, Obligations Provisions (X.X.A.C. X:X-XX.X) does not allow Appraisal Desk Review Fee (Fee ID: XXX) to be charged to the Borrower in XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Corrected XX Fee to Inspection fee. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6206465 | N/A | N/A |
| XXXX | 2116781 |  |  | Closed | 2025-11-11 07:22 | 2025-11-11 07:33 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Appraisal Review Fee (Fee ID: 96) | Resolved-Corrected XX Fee to Inspection fee. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Section X:X-XX.X of the XXX XXXXXXX Mortgage Loans, Fees, Obligations Provisions (X.X.A.C. X:X-XX.X) does not allow Appraisal Review Fee (Fee ID: XX) to be charged to the Borrower in XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Corrected XX Fee to Inspection fee. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6206618 | N/A | N/A |
| XXXX | 2116781 |  |  | Closed | 2025-11-07 07:21 | 2025-11-10 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Open-Provide Business Narrative. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Received Business Narrative. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6169482 | N/A | N/A |
| XXXX | 2116770 |  |  | Closed | 2025-11-06 06:49 | 2025-11-07 04:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Resolved, received business narrative. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Resolved, received business narrative. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Open-Missing business narrative. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved, received business narrative. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | KY | Investment | Refinance | No Cash Out - Borrower Initiated | 6151838 | N/A | N/A |
| XXXX | 2116770 |  |  | Closed | 2025-11-06 02:27 | 2025-11-07 01:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rate Lock attached - XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Missing rate lock or LE showing the rate was locked with confirmation the LE was received by the borrower. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Rate Lock attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | KY | Investment | Refinance | No Cash Out - Borrower Initiated | 6149595 | N/A | N/A |
| XXXX | 2116771 |  |  | Closed | 2025-11-06 08:25 | 2025-11-10 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Open-Provide Business Narrative. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Received Business Narrative. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Refinance | Cash Out - Other | 6153529 | N/A | N/A |
| XXXX | 2116771 |  |  | Closed | 2025-11-06 06:13 | 2025-11-10 02:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested Evidence of Rate Lock Provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide Rate Lock. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested Evidence of Rate Lock Provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Refinance | Cash Out - Other | 6151348 | N/A | N/A |
| XXXX | 2116755 |  |  | Closed | 2025-11-05 05:37 | 2025-11-05 09:22 | Waived | 2 - Non-Material B | Credit | Missing Doc | HO6 Master Insurance Policy is Partial | Waived-Exception in File on page#XXX:<br> Project's Master Insurance has an excessive wind/hail deductible at X%. This project is currently approved by XXXXXX XXX but their insurance renewal increased this deductible which now makes them ineligible for agency financing. This risk is lowered since the HOA does carry a current reserve balance of $XX,XXX which could help absorb the cost of the high deductible in the event of total loss claim. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Exception in File on page#XXX:<br> Project's Master Insurance has an excessive wind/hail deductible at X%. This project is currently approved by XXXXXX XXX but their insurance renewal increased this deductible which now makes them ineligible for agency financing. This risk is lowered since the HOA does carry a current reserve balance of $XX,XXX which could help absorb the cost of the high deductible in the event of total loss claim. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Borrower Housing History is XX.XX, XX months. Housing History required per guidelines is XX.XX, XX months.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Borrower has good credit with at least XX points higher than the minimum credit requirement. | CO | Primary Residence | Purchase | NA | 6129853 | Originator Pre-Close | Yes |
| XXXX | 2116755 |  |  | Closed | 2025-11-04 23:46 | 2025-11-06 10:33 | Resolved | 1 - Information A | Compliance | Mavent | HigherPriced: APR | Resolved-You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) County/City Property impounds corrected. Loan is escrowed. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) County/City Property impounds corrected. Loan is escrowed. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 6127817 | N/A | N/A |
| XXXX | 2116755 |  |  | Closed | 2025-11-04 23:46 | 2025-11-06 10:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 6127816 | N/A | N/A |
| XXXX | 2116762 |  |  | Closed | 2025-11-08 00:41 | 2025-11-10 13:34 | Waived | 2 - Non-Material B | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Waived-Asset Record X Does Not Meet G/L Requirements Exception on page#XXX Inclusion of $XX,XXX "gift" revealed as a recent deposit within the XXXX XXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Exception on page#XXX<br> Inclusion of $XX,XXX "gift" revealed as a recent deposit within the XXXX XXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Asset Record X Does Not Meet G/L Requirements Exception on page#XXX Inclusion of $XX,XXX "gift" revealed as a recent deposit within the XXXX XXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> DTI is XX.XX%. Maximum allowed per guidelines is XX. | RI | Investment | Purchase | NA | 6181878 | Originator Pre-Close | Yes |
| XXXX | 2116762 |  |  | Closed | 2025-11-08 00:40 | 2025-11-10 13:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception on page#XXX<br> Condo exception - Master Insurance Policy does not have the required Ordinance or Law coverage endorsed. Project's zoning is legal conforming per Appraisal, so the risk would be minimal for not having Ordinance or Law coverage in the event of a total loss claim. This Project demonstrates financial stability by maintaining a reserve account with a current balance of $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Loan does not conform to program guidelines Exception on page#XXX<br> Condo exception - Master Insurance Policy does not have the required Ordinance or Law coverage endorsed. Project's zoning is legal conforming per Appraisal, so the risk would be minimal for not having Ordinance or Law coverage in the event of a total loss claim. This Project demonstrates financial stability by maintaining a reserve account with a current balance of $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> DTI is XX.XX%. Maximum allowed per guidelines is XX. | RI | Investment | Purchase | NA | 6181876 | Originator Pre-Close | Yes |
| XXXX | 2116760 |  |  | Closed | 2025-11-07 11:12 | 2025-11-14 11:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-UW exception Allowing up to XX% DTI which exceeds GL Max of XX% for Non-Warrantable condo provided, page XXX.. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Exception provided on page # XXX, requested for DTI is XX% - guideline max is XX% due non warrantable condo status. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-UW exception Allowing up to XX% DTI which exceeds GL Max of XX% for Non-Warrantable condo provided, page XXX.. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Borrower(s) have XXX.XX months Reserves. Minimum required per guidelines is X months.<br> LTV is XX%. Maximum allowed per guidelines is XX%. | IL | Primary Residence | Refinance | Cash Out - Other | 6174758 | Originator Pre-Close | Yes |
| XXXX | 2116761 |  |  | Closed | 2025-11-09 07:30 | 2025-11-13 00:35 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXXXXXX XXX SSR with acceptable score provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CU score is X out of X under X.X - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. CU score is X out of X under X.X - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXXXXXX XXX SSR with acceptable score provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6186170 | N/A | N/A |
| XXXX | 2116761 |  |  | Closed | 2025-11-09 07:58 | 2025-11-10 08:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Audited DTI of XX.XX% exceeds Guideline DTI of XX% As per the XXXXXX dated XX/XX/XXXX, the maximum allowable DTI for Non-Warrantable Condominiums is XX%. However, the verified DTI is XX.XX%, which exceeds the guideline. Exception on page#XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Audited DTI of XX.XX% exceeds Guideline DTI of XX% As per the XXXXXX dated XX/XX/XXXX, the maximum allowable DTI for Non-Warrantable Condominiums is XX%. However, the verified DTI is XX.XX%, which exceeds the guideline. Exception on page#XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Borrower has worked in same job more than X years.<br> Borrower excellent credit scores with no derogatory credit in past X years. | FL | Primary Residence | Purchase | NA | 6186287 | Originator Pre-Close | Yes |
| XXXX | 2116744 |  |  | Closed | 2025-11-13 14:54 | 2025-11-13 15:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Review Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Underwriting Fee, Appraisal Review Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Underwriting Fee, Points - Loan Discount Fee, Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 6245686 | N/A | N/A |
| XXXX | 2116744 |  |  | Closed | 2025-11-11 15:28 | 2025-11-13 14:55 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved, entered initial and revised LE's. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-The CD was sent and acknowledged XX/XX and closed XX/XX. - XXXXXX-XX/XX/XXXX <br>Open-The Initial Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(XX CFR XXXX.XX(e)(X)(iii)) Provide Initial XXXX. LO signed XXXX as of XX.XX.XXXX:<br> The Initial Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(XX CFR XXXX.XX(e)(X)(iii)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-The CD was sent and acknowledged XX/XX and closed XX/XX. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved, entered initial and revised LE's. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 6215365 | N/A | N/A |
| XXXX | 2116744 |  |  | Closed | 2025-11-11 15:28 | 2025-11-13 14:55 | Resolved | 1 - Information C A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved, entered initial and revised LE's. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-The List of Settlement Service Providers Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(XX CFR XXXX.XX(e)(X)(vi); XXXX.XX(e)(X)(iii)) Provide Initial XXXX. LO signed XXXX as of XX.XX.XXXX:<br> The List of Settlement Service Providers Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(XX CFR XXXX.XX(e)(X)(vi); XXXX.XX(e)(X)(iii)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved, entered initial and revised LE's. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 6215366 | N/A | N/A |
| XXXX | 2116744 |  |  | Closed | 2025-11-08 04:55 | 2025-11-13 13:04 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received confirmation of Intent to Proceed. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide executed Intent to Proceed. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Received confirmation of Intent to Proceed. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 6182735 | N/A | N/A |
| XXXX | 2116744 |  |  | Closed | 2025-11-08 04:56 | 2025-11-13 13:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Executed Home loan toolkit provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Provide executed Home loan toolkit. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Executed Home loan toolkit provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 6182738 | N/A | N/A |
| XXXX | 2116744 |  |  | Closed | 2025-11-08 04:56 | 2025-11-13 13:03 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Executed Homeownership Counseling Disclosure provided. - 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. See attached - Seller-XX/XX/XXXX <br>Open-Provide executed Homeownership Counseling Disclosure.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Executed Homeownership Counseling Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 6182741 | N/A | N/A |
| XXXX | 2116744 |  |  | Closed | 2025-11-08 03:30 | 2025-11-13 01:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX document provided. - 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. See attached - Seller-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Provide Initial XXXX. LO signed XXXX as of XX.XX.XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Initial XXXX document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 6182462 | N/A | N/A |
| XXXX | 2116782 |  |  | Closed | 2025-11-08 03:45 | 2025-11-13 12:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received notarized Business purpose affidavit. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached (All three) - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Notarized Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached (All three) - Seller-XX/XX/XXXX<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received notarized Business purpose affidavit. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Home Improvement/Reno | 6182512 | N/A | N/A |
| XXXX | 2116782 |  |  | Closed | 2025-11-08 10:31 | 2025-11-13 02:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide Evidence of Rate Lock. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Home Improvement/Reno | 6183760 | N/A | N/A |
| XXXX | 2116783 |  |  | Closed | 2025-11-11 11:02 | 2025-11-13 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received notarized Business Purpose affidavit. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VXX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Notarized copy of the Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received notarized Business Purpose affidavit. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Home Improvement/Reno | 6210916 | N/A | N/A |
| XXXX | 2116783 |  |  | Closed | 2025-11-07 11:33 | 2025-11-13 02:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide Evidence of Rate. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Home Improvement/Reno | 6175142 | N/A | N/A |
| XXXX | 2116784 |  |  | Closed | 2025-11-11 12:19 | 2025-11-13 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received notarized Business Purpose Affidavit. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VXX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Notarized Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received notarized Business Purpose Affidavit. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Home Improvement/Reno | 6212380 | N/A | N/A |
| XXXX | 2116784 |  |  | Closed | 2025-11-07 21:25 | 2025-11-13 02:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide Evidence of Rate Lock. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Home Improvement/Reno | 6181410 | N/A | N/A |
| XXXX | 2116746 |  |  | Closed | 2025-11-14 08:23 | 2025-11-17 07:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-UW Exception , page XXX for LTV of XX% exceeding max allowed TV of XX% with XXX qualifying score. - Due Diligence Vendor-XX/XX/XXXX <br>Open-UW Exception in file is for XX% LTV with XXX qualifying Score. Audited LTV however, is XX% and Qualifying score of XXX. Updated , approved Exception required. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX |  | Waived-UW Exception , page XXX for LTV of XX% exceeding max allowed TV of XX% with XXX qualifying score. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | Monthly reserves is verified and at least X months more than guideline minimum.<br> Qualifying DTI is less than XX%, and at least XX% less than the guideline maximum.<br> Housing payment history is XxXXxXX or better. | SC | Primary Residence | Purchase | NA | 6252859 | Originator Pre-Close | Yes |
| XXXX | 2116746 |  |  | Closed | 2025-11-12 13:42 | 2025-11-17 07:25 | Waived | 2 - Non-Material B | Credit | Credit | Qualifying Credit Score does not meet eligibility requirement(s) | Waived-UW Exception , page XXX for LTV of XX% exceeding max allowed TV of XX% with XXX qualifying score. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Waived-UW Exception in file is for XX% LTV with XXX qualifying Score. Audited LTV however, is XX% and Qualifying score of XXX. XXX score required for XX% LTV. Updated , approved Exception required. - Due Diligence Vendor-XX/XX/XXXX <br>Waived-UW Exception page XXX for LTV of XX% exceeding max allowed with XXX FICO. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-UW Exception , page XXX for LTV of XX% exceeding max allowed TV of XX% with XXX qualifying score. - Due Diligence Vendor-XX/XX/XXXX <br>Waived-UW Exception in file is for XX% LTV with XXX qualifying Score. Audited LTV however, is XX% and Qualifying score of XXX. XXX score required for XX% LTV. Updated , approved Exception required. - Due Diligence Vendor-XX/XX/XXXX <br>Waived-UW Exception page XXX for LTV of XX% exceeding max allowed with XXX FICO. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | Monthly reserves is verified and at least X months more than guideline minimum.<br> Qualifying DTI is less than XX%, and at least XX% less than the guideline maximum.<br> Housing payment history is XxXXxXX or better.  | SC | Primary Residence | Purchase | NA | 6229326 | Originator Pre-Close | Yes |
| XXXX | 2116746 |  |  | Closed | 2025-11-08 06:43 | 2025-11-14 04:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Provide executed Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Deed of Trust document provided.<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 6183103 | N/A | N/A |
| XXXX | 2116746 |  |  | Closed | 2025-11-08 22:29 | 2025-11-14 02:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business Narrative LOX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX<br>| Resolved-Business Narrative LOX provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 6185182 | N/A | N/A |
| XXXX | 2116751 |  |  | Closed | 2025-11-12 01:49 | 2025-11-14 04:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide evidence of Rate Lock. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Purchase | NA | 6219022 | N/A | N/A |
| XXXX | 2116751 |  |  | Closed | 2025-11-12 02:48 | 2025-11-14 02:36 | Resolved | 1 - Information C A | Credit | Credit | Missing subject rental income documentation | Resolved-Short-term market rent analysis documentation provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Provide short-term market rent analysis documentation used in the amount of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Short-term market rent analysis documentation provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Purchase | NA | 6219304 | N/A | N/A |
| XXXX | 2116777 |  |  | Closed | 2025-11-12 09:33 | 2025-11-14 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Resolved. Business Narrative provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Provide Business Narrative for Borrower X. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Business Narrative provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 6224788 | N/A | N/A |
| XXXX | 2116753 |  |  | Closed | 2025-11-12 04:42 | 2025-11-18 02:58 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide required Secondary Valuation. CU score not provided, X-X unit provided. CDA is required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MI | Investment | Purchase | NA | 6219966 | N/A | N/A |
| XXXX | 2116753 |  |  | Closed | 2025-11-12 05:43 | 2025-11-18 02:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business narrative doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Business narrative doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MI | Investment | Purchase | NA | 6220420 | N/A | N/A |
| XXXX | 2116753 |  |  | Closed | 2025-11-12 05:00 | 2025-11-13 09:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Audited XXXXX of XX% exceeds Guideline XXXXX of XX% According to the matrices dated XX/XX/XXXX, the XXX should not exceed XX% for a purchase by a first-time investor. The audited XXX is XX%; therefore, an exception was provided on page XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Audited XXXXX of XX% exceeds Guideline XXXXX of XX% According to the matrices dated XX/XX/XXXX, the XXX should not exceed XX% for a purchase by a first-time investor. The audited XXX is XX%; therefore, an exception was provided on page XXX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Borrower has worked in same job more than X year. | MI | Investment | Purchase | NA | 6220101 | Originator Pre-Close | Yes |
| XXXX | 2116753 |  |  | Closed | 2025-11-12 05:00 | 2025-11-13 09:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of XX% exceeds XXXXXXXX HCLTV of XX% According to the matrices dated XX/XX/XXXX, the LTV should not exceed XX% for a purchase by a first-time investor. The audited LTV is XX%; therefore, an exception was provided on page XXX. - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Waived-Audited HLTV of XX% exceeds XXXXXXXX HCLTV of XX% According to the matrices dated XX/XX/XXXX, the LTV should not exceed XX% for a purchase by a first-time investor. The audited LTV is XX%; therefore, an exception was provided on page XXX. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Borrower has worked in same job more than X year. | MI | Investment | Purchase | NA | 6220102 | Originator Pre-Close | Yes |
| XXXX | 2116753 |  |  | Closed | 2025-11-12 05:00 | 2025-11-13 08:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Open-Audited LTV of XX% exceeds XXXXXXXX LTV of XX% According to the matrices dated XX/XX/XXXX, the LTV should not exceed XX% for a purchase by a first-time investor. The audited LTV is XX%; therefore, an exception was provided on page XXX. - XXX XXXXXXXXX XX-XX/XX/XXXX |  |  | XXXX |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Borrower has worked in same job more than X year. | MI | Investment | Purchase | NA | 6220103 | Originator Pre-Close | Yes |
| XXXX | 2115817 |  |  | Closed | 2025-11-16 22:38 | 2025-12-11 03:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Rent Free LOE provided. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rent Free LOE - XXXXX-XX/XX/XXXX <br>Open-As per the XXXX Borrower Lives with No Primary Expenses but we don't have the proof of No Primary Expenses/Rent free document, Provide the No Primary Expenses/Rent free document.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Rent Free LOE - XXXXX-XX/XX/XXXX<br>| Resolved-Rent Free LOE provided. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 6266791 | N/A | N/A |
| XXXX | 2115817 |  |  | Closed | 2025-11-16 08:30 | 2025-11-16 08:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 6265204 | N/A | N/A |
| XXXX | 2109834 |  |  | Closed | 2025-11-17 22:07 | 2025-12-02 00:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower X IRS Transcripts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Borrower X IRS Transcripts Provided - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. BORROWER X IRS TRANSCRIPTS - XXXXX-XX/XX/XXXX <br>Open-Borrower X IRS Transcripts Missing - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. BORROWER X IRS TRANSCRIPTS - XXXXX-XX/XX/XXXX<br>| Resolved-Borrower X IRS Transcripts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Borrower X IRS Transcripts Provided - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 6283433 | N/A | N/A |
| XXXX | 2109834 |  |  | Closed | 2025-11-18 00:43 | 2025-11-21 13:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Updated final CD and TRID page. Updated with Assumption being updated - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. revised closing disclosure - XXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Final Closing disclosure on page#XXX In Loan Disclosures X) Assumption, X) Demand Feature, X) Partial Payments not check marked. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. revised closing disclosure - XXXXX-XX/XX/XXXX<br>| Resolved-Updated final CD and TRID page. Updated with Assumption being updated - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 6284150 | N/A | N/A |
| XXXX | 2109834 |  |  | Closed | 2025-11-17 23:57 | 2025-12-02 13:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX,XX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX,XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX,XX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX,XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX,XX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX,XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX,XX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX,XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 6283922 | N/A | N/A |
| XXXX | 2109826 |  |  | Closed | 2025-11-18 03:30 | 2025-12-01 14:07 | Resolved | 1 - Information C A | Compliance | Mavent | IA Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Resolved-PCCD received along with a refund check. Updated Mavent & Mavent now passes. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Revised PCCD, cure check - Seller-XX/XX/XXXX <br> Open-Section XXX.X of the Iowa Money and Interest Provisions does not allow Flood Certification Fee (Fee ID: XXX) to be charged to the Borrower in IA. Flood Certification Fee collected in Section B, paid by borrower $X.XX. However, Section XXX.X of the Iowa Money and Interest Provisions does not allow Flood Certification Fee to be charged to the Borrower. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Revised PCCD, cure check - Seller-XX/XX/XXXX<br>| Resolved-PCCD received along with a refund check. Updated Mavent & Mavent now passes. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IA | Primary Residence | Purchase | NA | 6284925 | N/A | N/A |
| XXXX | 2104442 |  |  | Closed | 2025-11-18 03:20 | 2025-11-19 01:28 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary valuation is missin in file, Provided LCA/Freddie Mac, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. FHLMC SSR - Seller-XX/XX/XXXX <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. FHLMC SSR - Seller-XX/XX/XXXX<br>| Resolved-Secondary valuation is missin in file, Provided LCA/Freddie Mac, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 6284878 | N/A | N/A |
| XXXX | 2109833 |  |  | Closed | 2025-11-19 23:28 | 2025-11-28 11:38 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-updated pccd shows the correct fee amount. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-updated pccd shows the correct fee amount. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Please provide PCCD line itemized showing $XX Foreclosure Prevention fee for WA State. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD, $XX "Foreclosure Prevention" fee is lumped in with the recording fees. Recording fee $XXX + Foreclosure Prevention fee $XX = $XXX. - Seller-XX/XX/XXXX <br>Counter-Please provide PCCD. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final Settlement Statement - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD, $XX "Foreclosure Prevention" fee is lumped in with the recording fees. Recording fee $XXX + Foreclosure Prevention fee $XX = $XXX. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final Settlement Statement - Seller-XX/XX/XXXX<br>| Resolved-updated pccd shows the correct fee amount. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-updated pccd shows the correct fee amount. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 6315488 | N/A | N/A |
| XXXX | 2109833 |  |  | Closed | 2025-11-19 22:45 | 2025-11-24 03:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested cleared alerts report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Requested cleared alerts report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 6315304 | N/A | N/A |
| XXXX | 2109833 |  |  | Closed | 2025-11-19 22:12 | 2025-11-21 01:25 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Fannie Mae SSR) Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fannie SSR - score X - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fannie SSR - score X - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (Fannie Mae SSR) Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 6315139 | N/A | N/A |
| XXXX | 2115771 |  |  | Closed | 2025-11-18 07:37 | 2025-11-21 04:53 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested Alerts cleared report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert. Please provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Requested Alerts cleared report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6287807 | N/A | N/A |
| XXXX | 2115771 |  |  | Closed | 2025-11-18 07:06 | 2025-11-21 01:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Income Calculation Worksheet provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide updated Lender Income Calculation Worksheet as the provided one on page XXX numbers are not in proper format to verify the deposits and provided income sheet on page XXX reflecting only XX month bank statements missing Nov XXXX statement, we have Nov XXXX statement on page XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-XX/XX/XXXX<br>| Resolved-Updated Income Calculation Worksheet provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6287137 | N/A | N/A |
| XXXX | 2115771 |  |  | Closed | 2025-11-18 08:14 | 2025-11-18 08:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6288510 | N/A | N/A |
| XXXX | 2115771 |  |  | Closed | 2025-11-18 08:27 | 2025-11-18 08:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6288807 | N/A | N/A |
| XXXX | 2115822 |  |  | Closed | 2025-11-19 10:39 | 2025-12-16 09:20 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Departing Residence Final CD shows proceeds $XX,XXX.XX and page X $XXX,XXX towards purchase Subject property. Wire receipt $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX _xXXXX_<br> Counter-The Final XXXX (section Xb) shows assets coming from X sources: Both as "Proceeds from Real Estate Property Sold." One for $XX,XXX.XX and the other for $XXX,XXX. The source of the $XX,XXX.XX was provided as a Seller's CD for the sale of XXXX XXXXXX XXX. The source of the $XXX,XXX is still missing - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final SS and Final Funds - Seller-XX/XX/XXXX _xXXXX_<br> Open-Asset Record X Does Not Meet G/L Requirements The Final XXXX (section Xb) shows $XXX,XXX as "Proceeds from Real Estate Property to be sold on or before closing." There is also a wire receipt for this amount dated XX/XX/XXXX. However, the file is missing the source of these funds. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final SS and Final Funds - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Departing Residence Final CD shows proceeds $XX,XXX.XX and page X $XXX,XXX towards purchase Subject property. Wire receipt $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | KY | Primary Residence | Purchase | NA | 6307465 | N/A | N/A |
| XXXX | 2115822 |  |  | Closed | 2025-11-18 20:22 | 2025-12-16 09:19 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Asset Record X Meets G/L Requirements. Departing Residence Final CD shows proceeds $XX,XXX.XX and page X $XXX,XXX towards purchase Subject property. Wire receipt $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX _xXXXX_<br> Counter-The Final XXXX (section Xb) shows assets coming from X sources: Both as "Proceeds from Real Estate Property Sold." One for $XX,XXX.XX and the other for $XXX,XXX. The source of the $XX,XXX.XX was provided as a Seller's CD for the sale of XXXX XXXXXX XXX, but the wire receipt for it is missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final SS and Final Funds - Seller-XX/XX/XXXX _xXXXX_<br> Open-Asset Record X Does Not Meet G/L Requirements Provide proof of wire receipt of the funds for Proceeds from Real Estate property in the amount of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Final SS and Final Funds - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Asset Record X Meets G/L Requirements. Departing Residence Final CD shows proceeds $XX,XXX.XX and page X $XXX,XXX towards purchase Subject property. Wire receipt $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | KY | Primary Residence | Purchase | NA | 6298143 | N/A | N/A |
| XXXX | 2115822 |  |  | Closed | 2025-11-21 05:59 | 2025-12-16 09:19 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Departing Residence Final CD shows proceeds $XX,XXX.XX and page X $XXX,XXX towards purchase Subject property. Wire receipt $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX _xXXXX_<br> Open-The Final XXXX (section Xb) shows assets coming from X sources: Both as "Proceeds from Real Estate Property Sold." One for $XX,XXX.XX and the other for $XXX,XXX. A wire receipt in the amount of $XX,XXX.XX, but the source of these funds is missing from the file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Asset Record X Does Not Meet G/L Requirements - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Departing Residence Final CD shows proceeds $XX,XXX.XX and page X $XXX,XXX towards purchase Subject property. Wire receipt $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | KY | Primary Residence | Purchase | NA | 6337906 | N/A | N/A |
| XXXX | 2115822 |  |  | Closed | 2025-11-19 08:58 | 2025-12-04 05:45 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX/XXXX were corrected. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Issue #X was corrected. However Issues #X & #X. Issue #X: Borrower income is $X,XXXX.XX, but total income is $XX,XXX.XX; where is the additional $X,XXX? Issue #X: REO property was not accounted for in the expenses; The XXXX shows $X,XXX in income and the mortgage statement shows $X,XXX.XX ($XXXX x XX% = $X,XXX - $X,XXX.XX = $-XXX.XX. Was the PITIA not subtracted? - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX _xXXXX_<br> Open-The XXXX document is missing from the loan file. Inconsistencies on the provided XXXX. (X) The XXXX does not disclose any HOA. However, the property is a PUD and the Appraisal and the Final CD [section H, line #X] show $XXX annual HOA dues. (X) The income section of the XXXX shows borrower income to be $XX,XXX.XX but then Total Income to be $XX,XXX.XX. Unable to determine the source of the additional $X,XXX in income to get to the $XX,XXX.XX. The Final XXXX and the Income Calculators in file show Income to be $X,XXX.XX + $XX,XXX.XX = $XX,XXX.XX. (X) The XXXX provided shows "All Other Monthly Payments Used in Qualifying" of $X,XXX.XX. This is correct for credit report debt. However, it did not include the Rental Loss from the other REO property; see section Xa of the Final XXXX. These income/expense inconsistencies on the XXXX cause a DTI variance. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX_xXXXX_ | Resolved-The XXXX/XXXX were corrected. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | KY | Primary Residence | Purchase | NA | 6304990 | N/A | N/A |
| XXXX | 2115822 |  |  | Closed | 2025-11-18 19:09 | 2025-12-16 09:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX,XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX and copy of appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX,XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX and copy of appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX,XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX and copy of appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX,XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX and copy of appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | KY | Primary Residence | Purchase | NA | 6298045 | N/A | N/A |
| XXXX | 2109839 |  |  | Closed | 2025-11-24 10:13 | 2025-11-26 09:59 | 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-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXX_<br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX_xXXXX_ | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | CA | Primary Residence | Purchase | NA | 6366467 | N/A | N/A |
| XXXX | 2109846 |  |  | Closed | 2025-11-23 09:51 | 2025-11-25 10:46 | 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-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX _xXXXX_<br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX_xXXXX_ | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | CA | Primary Residence | Purchase | NA | 6356309 | N/A | N/A |
| XXXX | 2109846 |  |  | Closed | 2025-11-23 09:33 | 2025-11-25 03:07 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXXXXX XXX with acceptable score provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX _xXXXX_<br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXX or XXXXXX UCDP/XXX report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX_xXXXX_ | Resolved-XXXXXXX XXX with acceptable score provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | CA | Primary Residence | Purchase | NA | 6356290 | N/A | N/A |
| XXXX | 2109808 |  |  | Closed | 2025-11-23 22:03 | 2025-11-28 06:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. GAP credit - Seller-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Gap Credit Report is Missing Per the GL XX.XX.XXXX page # XX GAP report is required XX days prior to closing date. One in file is missing, provide the GAP credit report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. GAP credit - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6357305 | N/A | N/A |
| XXXX | 2109808 |  |  | Closed | 2025-11-23 23:33 | 2025-11-28 06:23 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. COC XX/X - Seller-XX/XX/XXXX _xXXXX_<br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXXX.XX(f)(X)(v); XX CFR XXXXX.XX(g)(X); XX CFR XXXXX.XX(h)). COC for decreased lender credits not in file - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC XX/X - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6357633 | N/A | N/A |
| XXXX | 2109808 |  |  | Closed | 2025-11-23 22:28 | 2025-11-26 00:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Provided Third Party Fraud Report shows all Uncleared Alerts has been cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing Third Party Fraud Report Provide Third Party Fraud Report with all Cleared alerts as Per the GL XX.XX.XXXX page # XX<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Provided Third Party Fraud Report shows all Uncleared Alerts has been cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6357403 | N/A | N/A |
| XXXX | 2109808 |  |  | Closed | 2025-11-23 23:57 | 2025-11-25 02:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Updated Deed of Trust with all pages uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. DOT all pages - Seller-XX/XX/XXXX _xXXXX_<br> Open-The Deed of Trust is Missing Deed of Trust page #X is missing, provide DOT with all pages. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DOT all pages - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Updated Deed of Trust with all pages uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6357738 | N/A | N/A |
| XXXX | 2109812 |  |  | Closed | 2025-11-24 03:34 | 2025-12-03 10:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC - XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXXX(e)(X); XX CFR XXXXXXX(e)(X); XX CFR XXXXXXX(f)(X)(v)). Points - Loan Discount Fee was increased from $X,XXX.XX (initial CD) to $$X,XXX.XX (final CD). Provide a sufficient lender credits or a valid COC to cure this. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. COC - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 6358630 | N/A | N/A |
| XXXX | 2109812 |  |  | Closed | 2025-11-24 02:47 | 2025-12-03 01:58 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Proof for EMD fund of $XX,XXX uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EMD wire and cashiers check attached - XXXXXX-XX/XX/XXXX <br>Open-Provide proof of document for EMD amount of $XX,XXX as it is not in file. - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. EMD wire and cashiers check attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Proof for EMD fund of $XX,XXX uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 6358395 | N/A | N/A |
| XXXX | 2109812 |  |  | Closed | 2025-11-24 02:21 | 2025-11-26 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Legible Asset Depletion worksheet was provided. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income worksheet - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender asset utilization worksheet on page #XXX is not legible. Per the final XXXX and XXXX, qualifying income for BX is $XX,XXX.XX. Provide lender worksheet validating this amount. - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Income worksheet - XXXXXX-XX/XX/XXXX<br>| Resolved-Legible Asset Depletion worksheet was provided. - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 6358275 | N/A | N/A |
| XXXX | 2109812 |  |  | Closed | 2025-11-24 02:52 | 2025-11-26 10:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. The required cleared report is missing.<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 6358422 | N/A | N/A |
| XXXX | 2109845 |  |  | Closed | 2025-11-26 02:19 | 2025-12-02 00:11 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Final XXXX & XXXX document uploaded, DTI matches the XXXX document, Verified & entered in system - Resolved<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX - XXXXXX-XX/XX/XXXX <br>Open-Audited DTI is XX.XX% and lender DTI is XX.XX%. The difference is X.XX%. X) This is due to lender considered monthly income as $XX,XXX.XX whereas our calculated income is $XX,XXX.XX<br> X) Lender considered HOA fee as X.XX, there is no HOA fee verified from page #XX<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX/XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Final XXXX & XXXX document uploaded, DTI matches the XXXX document, Verified & entered in system - Resolved<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | ID | Primary Residence | Purchase | NA | 6395955 | N/A | N/A |
| XXXX | 2109845 |  |  | Closed | 2025-11-25 04:03 | 2025-12-01 01:07 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than X.X provided, Verified & entered in system - Resolved<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX SSR - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X File needs a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX SSR - XXXXXX-XX/XX/XXXX<br>| Resolved-Loan Collateral Advisor with CU score less than X.X provided, Verified & entered in system - Resolved<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | ID | Primary Residence | Purchase | NA | 6378383 | N/A | N/A |
| XXXX | 2109822 |  |  | Closed | 2025-11-26 09:17 | 2025-12-03 14:55 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated PCCD - XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Courier Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXXX(e)(X); XX CFR XXXXXXX(e)(X); XX CFR XXXXXXX(f)(X)(v)). Title fees (X. Messenger/Courier Fee) is paid to a provider that's not on providers list, but the fee is still in section B, move the Fee (X.Messenger/Courier Fee) to section C. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated PCCD - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 6401478 | N/A | N/A |
| XXXX | 2109822 |  |  | Closed | 2025-11-26 07:33 | 2025-12-03 14:46 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset X Meets Guideline Requirements, received proof of sale proceeds - resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Sale of property - XXXXXX-XX/XX/XXXX <br>Open-Asset X Does Not Meet Guideline Requirements We have Proceeds from Sale Funds for borrower amount $XXX,XXX as per the final XXXX but proof of document is missing in file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Sale of property - XXXXXX-XX/XX/XXXX<br>| Resolved-Asset X Meets Guideline Requirements, received proof of sale proceeds - resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 6398823 | N/A | N/A |
| XXXX | 2109822 |  |  | Closed | 2025-11-26 09:29 | 2025-12-03 01:20 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document with corrected P&I uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Final XXXX - XXXXXX-XX/XX/XXXX <br> Open-The XXXX document is missing from the loan file. Provide the updated XXXX document with Loan amount of $XXX,XXX & P&I of $X,XXX.XX, as per XXXX Document loan amount showing as $XXX,XXX & P&I showing as $X,XXX.XX but Note document showing as Loan amount is $XXX,XXX & P&I is $X,XXX.XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated XXXX document with corrected P&I uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 6402144 | N/A | N/A |
| XXXX | 2109821 |  |  | Closed | 2025-11-26 03:19 | 2025-12-05 03:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXXX Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 6396241 | N/A | N/A |
| XXXX | 2109847 |  |  | Closed | 2025-11-26 05:04 | 2025-11-28 12:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets XXXXX guidelines, resolved. <br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets XXXXX guidelines, resolved. <br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 6396893 | N/A | N/A |
| XXXX | 2109807 |  |  | Closed | 2025-11-27 02:03 | 2025-12-04 06:57 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Reviewed gap credit PC with minimal variance (decrease in debts). - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gap Credit Report - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). The XX dated XX/XX/XXXX page XX Gap credit report required no more than XX days prior to closing. The provided gap credit report on page XXX is greater than XX days. Provide the updated gap credit report. <br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Gap Credit Report - XXXXXX-XX/XX/XXXX<br>| Resolved-Reviewed gap credit PC with minimal variance (decrease in debts). - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6412921 | N/A | N/A |
| XXXX | 2109807 |  |  | Closed | 2025-11-27 02:31 | 2025-12-04 04:19 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report with cleared alerts provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page # XXX) contains an uncleared alert. Provide an updated fraud report.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated fraud report with cleared alerts provided. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6412954 | N/A | N/A |
| XXXX | 2109807 |  |  | Closed | 2025-11-27 03:07 | 2025-12-04 06:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX,XXX. The loan meets XXXXX guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX,XXX. The loan meets XXXXX guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6413049 | N/A | N/A |
| XXXX | 2109815 |  |  | Closed | 2025-11-27 22:32 | 2025-12-03 01:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6414319 | N/A | N/A |
| XXXX | 2109819 |  |  | Closed | 2025-11-27 19:58 | 2025-12-04 08:02 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Updated property page - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide a secondary or additional valuation, as the desk review on page XXX references a different loan number and is expired, while the CU report on page XXX indicates a risk score of X.X. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated property page - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6414019 | N/A | N/A |
| XXXX | 2109819 |  |  | Closed | 2025-11-26 22:55 | 2025-12-04 04:23 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report with cleared alerts provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated fraud report with cleared alerts provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6412468 | N/A | N/A |
| XXXX | 2109848 |  |  | Closed | 2025-12-01 02:36 | 2025-12-03 23:52 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alert - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alert - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 6424644 | N/A | N/A |
| XXXX | 2109848 |  |  | Closed | 2025-12-01 03:25 | 2025-12-02 11:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX-XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX-XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 6424830 | N/A | N/A |
| XXXX | 2115780 |  |  | Closed | 2025-12-01 23:43 | 2025-12-05 03:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX-X-XX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing. <br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6440789 | N/A | N/A |
| XXXX | 2109805 |  |  | Closed | 2025-11-30 21:22 | 2025-12-04 01:51 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Updated Final XXXX uploaded with corrected Rental History, VOM in file supports housing history requirement, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX with updated rental history - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify the housing history for the properties X) Provide VOM for "XXXX XXXXXX XXXXXXXX XX" & X) Provide VOR for "XXXX XXXXXX XXXXXXXX XXXX XXXXXXX" VOM in file has it from XX/XXXX for address at XXXX and XXXX states borrower has lived there for X months - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX with updated rental history - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Final XXXX uploaded with corrected Rental History, VOM in file supports housing history requirement, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 6423501 | N/A | N/A |
| XXXX | 2109805 |  |  | Closed | 2025-11-30 22:37 | 2025-12-02 14:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-coc not required - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Provide COC for lender credits increased $X to $XX.X - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-coc not required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 6423769 | N/A | N/A |
| XXXX | 2109805 |  |  | Closed | 2025-11-30 22:37 | 2025-12-01 00:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX, XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 6423766 | N/A | N/A |
| XXXX | 2109804 |  |  | Closed | 2025-11-27 22:13 | 2025-12-04 04:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX e-signed - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Final XXXX is missing in file. Provide the final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX e-signed - Seller-XX/XX/XXXX<br>| Resolved-Final XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6414242 | N/A | N/A |
| XXXX | 2115816 |  |  | Closed | 2025-12-01 02:42 | 2025-12-12 00:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE provided, updated & condition 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. VVOE - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Provide VOE document as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. VVOE - Seller-XX/XX/XXXX<br>| Resolved-Requested Xrd Party VOE provided, updated & condition 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>| XXXX |  |  | MN | Primary Residence | Purchase | NA | 6424661 | N/A | N/A |
| XXXX | 2115816 |  |  | Closed | 2025-12-01 02:59 | 2025-12-11 02:33 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MN | Primary Residence | Purchase | NA | 6424719 | N/A | N/A |
| XXXX | 2115816 |  |  | Closed | 2025-12-01 02:02 | 2025-12-03 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document received, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide XXXX document as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-The XXXX document received, resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MN | Primary Residence | Purchase | NA | 6424514 | N/A | N/A |
| XXXX | 2115809 |  |  | Closed | 2025-11-30 23:46 | 2025-12-05 12:50 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-received IEADS - HPML meets guidelines - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX <br>Counter-to meet HPML please provide the Initial Escrow Account Disclosure - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CE Findings - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures is MISSING and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CE Findings - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-received IEADS - HPML meets guidelines - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6424035 | N/A | N/A |
| XXXX | 2115809 |  |  | Closed | 2025-11-30 21:24 | 2025-12-03 10:30 | 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. Final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provide Final XXXX as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6423506 | N/A | N/A |
| XXXX | 2115809 |  |  | Closed | 2025-11-30 23:46 | 2025-12-03 10:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC XX/XX - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(X)). Points - Loan Discount Fee increased from $XXX.XX in Initial CD page XXX to $XXXX.XX in Final CD page XXX Provide COC to cure this fee. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC XX/XX - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6424037 | N/A | N/A |
| XXXX | 2115809 |  |  | Closed | 2025-12-01 00:23 | 2025-12-03 01:52 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX <br>Open-Provide Initial Escrow Acct Disclosure document as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX<br>| Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6424173 | N/A | N/A |
| XXXX | 2109816 |  |  | Closed | 2025-12-01 02:11 | 2025-12-04 07:07 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap Credit is PC with no variance. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Updated Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. GAP credit - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Per the XX XX.XX.XXXX page # XX GAP report is required XX days prior to closing date. The gap supplement in file is expired. Provide the updated GAP credit report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. GAP credit - Seller-XX/XX/XXXX<br>| Resolved-Gap Credit is PC with no variance. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Updated Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6424552 | N/A | N/A |
| XXXX | 2109816 |  |  | Closed | 2025-12-01 02:32 | 2025-12-04 04:22 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) contains an uncleared alert. Provide the updated report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6424634 | N/A | N/A |
| XXXX | 2109816 |  |  | Closed | 2025-12-01 04:03 | 2025-12-03 01:40 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust documents uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Trust Cert - Seller-XX/XX/XXXX <br>Open-Trust/POA Does Not Meet Guideline Requirements The trust documents are missing from the file. Provide the trust documents. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Trust Cert - Seller-XX/XX/XXXX<br>| Resolved-Trust documents uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6425069 | N/A | N/A |
| XXXX | 2115810 |  |  | Closed | 2025-12-02 22:52 | 2025-12-10 00:42 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). As per the XX Version XX/XX/XXXX on page#XX we required Gap credit report within XX days prior to closing date. in file we have Gap report available on page#XXX showing as XX business days prior to closing date.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 6458839 | N/A | N/A |
| XXXX | 2115810 |  |  | Closed | 2025-12-02 21:30 | 2025-12-04 04:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Updated Deed of Trust uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Deed of Trust - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Deed of Trust - Seller-XX/XX/XXXX<br>| Resolved-Updated Deed of Trust uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 6458469 | N/A | N/A |
| XXXX | 2109843 |  |  | Closed | 2025-12-01 23:44 | 2025-12-08 03:38 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MN | Primary Residence | Refinance | Cash Out - Other | 6440798 | N/A | N/A |
| XXXX | 2109843 |  |  | Closed | 2025-12-01 23:38 | 2025-12-08 03:36 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CU XXXXXX XXX uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or an appraisal desk review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-CU XXXXXX XXX uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MN | Primary Residence | Refinance | Cash Out - Other | 6440763 | N/A | N/A |
| XXXX | 2109843 |  |  | Closed | 2025-12-01 23:04 | 2025-12-05 03:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated title showing loan amount - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated title as the one in file has coverage amount as $XXX,XXX which is not for the full loan amount of $XXX,XXX<br> .. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated title showing loan amount - Seller-XX/XX/XXXX<br>| Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MN | Primary Residence | Refinance | Cash Out - Other | 6440642 | N/A | N/A |
| XXXX | 2109843 |  |  | Closed | 2025-12-02 00:09 | 2025-12-04 08:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX-XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX-XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MN | Primary Residence | Refinance | Cash Out - Other | 6440885 | N/A | N/A |
| XXXX | 2115786 |  |  | Closed | 2025-12-05 03:29 | 2025-12-09 02:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Asset Income Worksheet - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Assets Utilization worksheet as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Asset Income Worksheet - Seller-XX/XX/XXXX<br>| Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6498876 | N/A | N/A |
| XXXX | 2115786 |  |  | Closed | 2025-12-05 03:48 | 2025-12-08 03:41 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-CU XXXXXX XXX uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX XXX - score of X - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a XXXX and/or XXXXX UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX XXX - score of X - Seller-XX/XX/XXXX<br>| Resolved-CU XXXXXX XXX uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6499031 | N/A | N/A |
| XXXX | 2109836 |  |  | Closed | 2025-12-03 04:44 | 2025-12-08 03:34 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6460530 | N/A | N/A |
| XXXX | 2109836 |  |  | Closed | 2025-12-03 04:20 | 2025-12-08 02:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Gap credit report as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6460367 | N/A | N/A |
| XXXX | 2109836 |  |  | Closed | 2025-12-03 17:23 | 2025-12-04 10:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6475849 | N/A | N/A |
| XXXX | 2115774 |  |  | Closed | 2025-12-03 07:41 | 2025-12-05 13:07 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Condition comments state this is RESOLVED. Will you please clear - Seller-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Condition comments state this is RESOLVED. Will you please clear - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX-XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 6462542 | N/A | N/A |
| XXXX | 2115774 |  |  | Closed | 2025-12-03 05:19 | 2025-12-05 10:00 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 6460766 | N/A | N/A |
| XXXX | 2115831 |  |  | Closed | 2025-12-07 02:16 | 2025-12-12 12:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Discount Point Acknowledgment is Missing | Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Texas Home Equity Discount Point Acknowledgment is Missing - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The disclosure only populates with our Final Closing package, and on this loan, both initial disclosure stage, and final closing doc stages, the loan was not at a cost, therefore the disclosure didn't populate and is not needed - Seller-XX/XX/XXXX <br>Open-Texas Home Equity Discount Point Acknowledgment is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The disclosure only populates with our Final Closing package, and on this loan, both initial disclosure stage, and final closing doc stages, the loan was not at a cost, therefore the disclosure didn't populate and is not needed - Seller-XX/XX/XXXX<br>| Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6519615 | N/A | N/A |
| XXXX | 2115831 |  |  | Closed | 2025-12-07 02:16 | 2025-12-12 12:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Texas Home Equity Receipt of Documents uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. TX Home Equity Receipt of Documents - Seller-XX/XX/XXXX <br>Open-Texas Home Equity Receipt Of Documents is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. TX Home Equity Receipt of Documents - Seller-XX/XX/XXXX<br>| Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Texas Home Equity Receipt of Documents uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6519616 | N/A | N/A |
| XXXX | 2115831 |  |  | Closed | 2025-12-07 00:20 | 2025-12-10 01:13 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6519453 | N/A | N/A |
| XXXX | 2109800 |  |  | Closed | 2025-12-04 02:59 | 2025-12-05 03:09 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (XXXXXXX XXX) Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X File needs a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (XXXXXXX XXX) Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6479474 | N/A | N/A |
| XXXX | 2115826 |  |  | Closed | 2025-12-05 11:13 | 2025-12-10 01:07 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Xnd appraisal) provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Xnd appraisal due to high CU score - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Xnd appraisal due to high CU score - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (Xnd appraisal) provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6507221 | N/A | N/A |
| XXXX | 2115826 |  |  | Closed | 2025-12-05 11:57 | 2025-12-10 01:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6508262 | N/A | N/A |
| XXXX | 2109823 |  |  | Closed | 2025-12-05 05:35 | 2025-12-08 02:06 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated title - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated title document covering full loan amount as the one in file shows coverage amount as $XXX,XXX which is lower than the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated title - Seller-XX/XX/XXXX<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6499950 | N/A | N/A |
| XXXX | 2115791 |  |  | Closed | 2025-12-09 03:50 | 2025-12-19 06:43 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Bank statements are missing which are stated in XXXX, Provided Bank statements which are mentioned on XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXXX Account #XXXX - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Provide documentation verifying the XXXXXXXX XXX account #XXXX with funds of $XXX,XXX.XX, as stated in the final XXXX, since this document is currently missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXXX Account #XXXX - Seller-XX/XX/XXXX<br>| Resolved-Bank statements are missing which are stated in XXXX, Provided Bank statements which are mentioned on XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 6543481 | N/A | N/A |
| XXXX | 2115791 |  |  | Closed | 2025-12-09 03:50 | 2025-12-19 06:43 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Bank statements are missing which are stated in XXXX, Provided Bank statements which are mentioned on XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXXX Account #XXXX - Seller-XX/XX/XXXX <br>Open-Asset X Does Not Meet Guideline Requirements Provide documentation verifying the XXXXXXXX stock account #XXXX with funds of $XXX,XXX.XX, as stated in the final XXXX, since this document is currently missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXXX Account #XXXX - Seller-XX/XX/XXXX<br>| Resolved-Bank statements are missing which are stated in XXXX, Provided Bank statements which are mentioned on XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 6543482 | N/A | N/A |
| XXXX | 2115791 |  |  | Closed | 2025-12-09 04:01 | 2025-12-18 07:18 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-received updated docs - DTI inline - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated XXXX - XXXXXX-XX/XX/XXXX <br>Counter-The audited DTI is XX.XX%, while the lender's DTI is XX.XX%, resulting in a difference of X.X%. This discrepancy exists because the lender calculated monthly liabilities as $X,XXX.XX, whereas we have only $X,XXX.XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report - XXXXXX-XX/XX/XXXX <br>Open-The audited DTI is XX.XX%, while the lender's DTI is XX.XX%, resulting in a difference of X.X%.<br>This discrepancy exists because the lender calculated monthly liabilities as $X,XXX.XX, whereas we have only $X,XXX.XX as the initial credit report is missing from the file, so we are unable to verify the exact credit liabilities. A finding has been placed for the credit report. Once it is received, liabilities will be recalculated, and the audited DTI will align with the lender's DTI. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. updated XXXX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report - XXXXXX-XX/XX/XXXX<br>| Resolved-received updated docs - DTI inline - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 6543565 | N/A | N/A |
| XXXX | 2115791 |  |  | Closed | 2025-12-09 03:57 | 2025-12-15 04:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 6543520 | N/A | N/A |
| XXXX | 2115791 |  |  | Closed | 2025-12-09 03:29 | 2025-12-15 00:08 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Primary Housing is verified to be Free & Clear as per the uploaded Property Report, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Housing History - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements Pert XX XX.XX.XXXX page #XX and matrix, XX-month housing history required for primary residence. Provide documentation verifying the XX-month housing history or proof that the property is free and clear, as this information is currently missing from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Pert XX XX.XX.XXXX page #XX and matrix, XX-month housing history required for primary residence. Provide documentation verifying the XX-month housing history or proof that the property is free and clear, as this information is currently missing from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Housing History - XXXXXX-XX/XX/XXXX<br>| Resolved-Primary Housing is verified to be Free & Clear as per the uploaded Property Report, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 6543315 | N/A | N/A |
| XXXX | 2115791 |  |  | Closed | 2025-12-09 03:29 | 2025-12-15 00:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Initial Credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. INITIAL CREDIT REPORT - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. Provide initial credit report as it is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. INITIAL CREDIT REPORT - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested Initial Credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 6543316 | N/A | N/A |
| XXXX | 2115791 |  |  | Closed | 2025-12-09 03:12 | 2025-12-12 02:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Income Qualified with XX month bank statements, provided only X month statement in file, asked for same, provided complete XX month bank statements, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX month Bank Statements - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Lender used XX months bank statements of XXXX XX XXXXXXX # XXXX for income calculation. However loan file has only XXXX-XXXX statement. Provide complete XX months bank statements for income calculation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX month Bank Statements - XXXXXX-XX/XX/XXXX<br>| Resolved-Income Qualified with XX month bank statements, provided only X month statement in file, asked for same, provided complete XX month bank statements, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 6543151 | N/A | N/A |
| XXXX | 2115791 |  |  | Closed | 2025-12-09 03:37 | 2025-12-12 01:25 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Appraisal SSR - XX score X - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and XX Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or an appraisal desk review.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Appraisal SSR - XX score X - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested secondary valuation provided, updated & condition resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 6543390 | N/A | N/A |
| XXXX | 2115791 |  |  | Closed | 2025-12-09 03:38 | 2025-12-12 01:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Requested Purchase contract provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Executed Purchase Agreement<br> - XXXXXX-XX/XX/XXXX <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Provide the complete purchase agreement, as the document on page #XXX is only an amendment to the original agreement - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Executed Purchase Agreement<br> - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested Purchase contract provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 6543404 | N/A | N/A |
| XXXX | 2115805 |  |  | Closed | 2025-12-04 01:12 | 2025-12-11 00:27 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report has Uncleared Alerts, provided Updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Fraud Report has Uncleared Alerts, provided Updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6479139 | N/A | N/A |
| XXXX | 2115825 |  |  | Closed | 2025-12-08 23:06 | 2025-12-12 01:07 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Condition not needed as we have PCCD in file with disbursement date of XX/XX/XXXX which is same as policy effective date hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. ALTA - loan did not disburse until XX/XX - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Provide Hazard insurance policy effective prior to note date XX-XX-XXXX/disbursement date XX-XX-XXXX, HOI policy available in file effective date XX-XX-XXXX is after closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. ALTA - loan did not disburse until XX/XX - Seller-XX/XX/XXXX<br>| Resolved-Condition not needed as we have PCCD in file with disbursement date of XX/XX/XXXX which is same as policy effective date hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 6541881 | N/A | N/A |
| XXXX | 2115795 |  |  | Closed | 2025-12-10 00:44 | 2025-12-12 01:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Requested alerts cleared report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 6560743 | N/A | N/A |
| XXXX | 2115781 |  |  | Closed | 2025-12-10 18:41 | 2025-12-22 07:32 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-The Student loan is deferred on the credit report and according to the guidelines a payment equal to X% of the outstanding balance can be calculated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The Student loan is deferred on the credit report and per our guidelines we need to hit with a X% payment - Seller-XX/XX/XXXX <br>Counter-For the front end DTI is in line when the loan adjust to P&I at X,XXX.XX @ XX.XX for the front end. What is causing the issue is with the back end. XX XXXXXXXXX XXXXXXXX is deferred until X/XX and bring that back in to the calculation - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-made manual corrections to note page and credit entries - rescind - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. For Qualifying purposes they should be using the higher housing expense not the I/O - Seller-XX/XX/XXXX <br>Open-This is Interest-Only Period Fixed Rate Note, DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX% Variance is X.XX% due to all other monthly payments in XXXX $X,XXX.XX and our calculated all other monthly payment is $X,XXX.XX, Variance is $XXX.XX all other monthly payments updated as per Initial Credit report and Total = (Credit Liabilities $X,XXX.XX+ PITIA $X,XXX.XX) $XX,XXX.XX / $XX,XXX.XX = XX.XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The Student loan is deferred on the credit report and per our guidelines we need to hit with a X% payment - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. For Qualifying purposes they should be using the higher housing expense not the I/O - Seller-XX/XX/XXXX<br>| Resolved-The Student loan is deferred on the credit report and according to the guidelines a payment equal to X% of the outstanding balance can be calculated. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-made manual corrections to note page and credit entries - rescind - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 6577016 | N/A | N/A |
| XXXX | 2115792 |  |  | Closed | 2025-12-09 05:02 | 2025-12-12 01:27 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Requested alerts cleared report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | LA | Primary Residence | Purchase | NA | 6543981 | N/A | N/A |
| XXXX | 2115815 |  |  | Closed | 2025-12-07 23:18 | 2025-12-15 15:59 | Resolved | 1 - Information C A | Compliance | Fees:Limited | New Jersey - Recording Service Fee (MLFOP)(First Lien) | Resolved-Recording release fee not a recording service fee - Due Diligence Vendor-XX/XX/XXXX <br>Open-You charged a ($XXX.XX) Recording Service Fee. The XXX XXXXXXX Residential Mortgage Loans, Fees, Obligations Provisions limit the amount of the additional service fee for recording a cancellation of a mortgage to $XX. (XX.X.X. X:X-XX.X(a)(X)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXXXX XXXXX pass and Seller Cert - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-You charged a ($XXX.XX) Recording Service Fee. The XXX XXXXXXX Residential Mortgage Loans, Fees, Obligations Provisions limit the amount of the additional service fee for recording a cancellation of a mortgage to $XX. (XX.X.X. X:X-XX.X(a)(X)) A service fee not to exceed $ XX.XX to cancel the mortgage. Per the Final CD page XXX Section C, the Title Recording Release Service fee was $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXXXX XXXXX pass and Seller Cert - Seller-XX/XX/XXXX<br>| Resolved-Recording release fee not a recording service fee - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6522155 | N/A | N/A |
| XXXX | 2115815 |  |  | Closed | 2025-12-07 23:18 | 2025-12-15 15:36 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Appraisal Desk Review Fee (Fee ID: 135) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC and Seller Cert - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Section X:X-XX.X of the XXX XXXXXXX Mortgage Loans, Fees, Obligations Provisions (XX.X.X. X:X-XX.X) does not allow Appraisal Desk Review Fee (Fee ID: XXX) to be charged to the Borrower in XX. Loan failed XX Fee Not Allowed- Appraisal Desk Review Fee, Appraisal Desk Review Fee of $XXX charged on Final CD page XXX and updated the same. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC and Seller Cert - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6522158 | N/A | N/A |
| XXXX | 2115815 |  |  | Closed | 2025-12-07 22:28 | 2025-12-12 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-confirmed calculation - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX and Property Taxes and Insurance - Seller-XX/XX/XXXX <br>Counter-front end DTI on XXXX is based off the Interest Only payment of XXXX.XX not the fully amortized payment of XXXX.XX. <br> should be XXXX.XX / XXXXX.XX = X.XXXX x XXX = XX.XX% front end<br>DTI for back end on XXXX is correct but "All Other Monthly Payments" listed as XXXX.XX should be XXXX.XX as is it on final XXXX and credit report<br>front end XX.XX% back end XX.XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Can you please provide a DTI breakdown or send your calculations for income and liabilities? - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide updated XXXX with correct DTI, provided XXXX on page XXX shows DTI XX.XX% whereas our calculated DTI is XX.XX% matching with Mavent report page XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX and Property Taxes and Insurance - Seller-XX/XX/XXXX <br>Ready for Review-Can you please provide a DTI breakdown or send your calculations for income and liabilities? - Seller-XX/XX/XXXX<br>| Resolved-confirmed calculation - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6521852 | N/A | N/A |
| XXXX | 2115815 |  |  | Closed | 2025-12-07 22:03 | 2025-12-11 06:22 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-received field review form XXXX - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Field Review since SSR CU score is high - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. Provided XXXXXXX XXXXX report on page XXX CU score is X.X File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than X.X, Provided One Unit Appraisal on page XX not reflecting appraisal value, provide updated one unit appraisal or desk review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Field Review since SSR CU score is high - Seller-XX/XX/XXXX<br>| Resolved-received field review form XXXX - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6521715 | N/A | N/A |
| XXXX | 2115815 |  |  | Closed | 2025-12-07 23:18 | 2025-12-15 16:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) HPML compliant - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) HPML compliant - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6522154 | N/A | N/A |
| XXXX | 2115815 |  |  | Closed | 2025-12-15 16:01 | 2025-12-15 16:02 | Resolved | 1 - Information A | Compliance | Mavent | NJ Fee Not Allowed- Recording release fee (Fee ID: 998) | Resolved-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Recording release fee (Fee ID: XXX) to be charged to the Borrower in NJ. Recording release fee not recording service fee and fee is allowed in nj - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Recording release fee (Fee ID: XXX) to be charged to the Borrower in NJ. Recording release fee not recording service fee and fee is allowed in nj - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6633887 | N/A | N/A |
| XXXX | 2115824 |  |  | Closed | 2025-12-09 21:41 | 2025-12-12 01:04 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Requested Feb Bank statement provided which is the statement used for qualifying income. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Feb Statement - Seller-XX/XX/XXXX <br>Open-Verified XX months bank statements X statement is missing Feb XXXX, Borrower is qualifying with XX month bank statements, Provide Feb XXXX statement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Feb Statement - Seller-XX/XX/XXXX<br>| Resolved-Requested Feb Bank statement provided which is the statement used for qualifying income. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | OK | Primary Residence | Purchase | NA | 6559975 | N/A | N/A |
| XXXX | 2115776 |  |  | Closed | 2025-12-09 04:56 | 2025-12-15 01:42 | Resolved | 1 - Information C A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Updated HO-X Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated HOI - Seller-XX/XX/XXXX <br>Open-HO-X Insurance Policy is only Partially Present Provide updated HOI Policy period of XX/XX/XXXX to XX/XX/XXXX in file Policy Period Provided XX/XX/XXXX to XX/XX/XXXX. As now policy period consider XX/XX/XXXX to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated HOI - Seller-XX/XX/XXXX<br>| Resolved-Updated HO-X Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6543937 | N/A | N/A |
| XXXX | 2115776 |  |  | Closed | 2025-12-09 00:15 | 2025-12-09 00:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX.. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX.. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 6542230 | N/A | N/A |
| XXXX | 2115794 |  |  | Closed | 2025-12-09 22:11 | 2025-12-15 15:41 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-appraisal received - resolved - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XX CFR XXXXXXXXXXX) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXXXX)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 §XXXXXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. The appraisal disclosure was provided to the borrower(s)- see Pg XXX, and confirmation the appraisal was delivered to the borrower – see Pg XX, XXX. Interior & exterior appraisal report missing in file.<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-appraisal received - resolved - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6560106 | N/A | N/A |
| XXXX | 2115794 |  |  | Closed | 2025-12-09 21:48 | 2025-12-15 04:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud report reflecting uncleared alerts, per XXXX XXXXXXX guidelines dated XX/XX/XXXX page XX, required updated fraud report. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated fraud report provided. Resolved - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6560007 | N/A | N/A |
| XXXX | 2115794 |  |  | Closed | 2025-12-09 21:40 | 2025-12-12 01:33 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Requested appraisal document provided, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Appraisal is Present or is Waived - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Appraisal - XXXXXX-XX/XX/XXXX <br>Open-Appraisal is Missing Provide Primary appraisal report. Primary appraisal report missing in file. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Appraisal - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested appraisal document provided, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Appraisal is Present or is Waived - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6559968 | N/A | N/A |
| XXXX | 2115802 |  |  | Closed | 2025-12-10 22:57 | 2025-12-16 07:14 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-LE and CoC provided and updated. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC completed on XX/XX disclosing the increase in the appraisal fee due to a rush request. LE Redisclosure and details COC attached. - XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXXXXXXX; XX CFR XXXXXXXXXXX; XX CFR XXXXXXXXXXX). Provide COC for Increase appraisal fee from LE $XXX to CD $XXX. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. COC completed on XX/XX disclosing the increase in the appraisal fee due to a rush request. LE Redisclosure and details COC attached. - XXXXXX-XX/XX/XXXX<br>| Resolved-LE and CoC provided and updated. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | LA | Primary Residence | Purchase | NA | 6578996 | N/A | N/A |
| XXXX | 2115802 |  |  | Closed | 2025-12-10 22:15 | 2025-12-16 00:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud report reflecting uncleared alerts, per XXXX XXXXXXX guidelines dated XX/XX/XXXX page XX, required updated fraud report. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>| XXXX |  |  | LA | Primary Residence | Purchase | NA | 6578839 | N/A | N/A |
| XXXX | 2115827 |  |  | Closed | 2025-12-13 14:54 | 2025-12-17 08:08 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Policy - XXXXXX-XX/XX/XXXX<br>| Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6614798 | N/A | N/A |
| XXXX | 2115827 |  |  | Closed | 2025-12-12 02:26 | 2025-12-17 02:43 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared report provided, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested alerts cleared report provided, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6597484 | N/A | N/A |
| XXXX | 2115827 |  |  | Closed | 2025-12-12 02:08 | 2025-12-16 04:24 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX _xXXXX_<br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6597414 | N/A | N/A |
| XXXX | 2115827 |  |  | Closed | 2025-12-12 03:08 | 2025-12-13 15:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX-XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX-XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6597665 | N/A | N/A |
| XXXX | 2115806 |  |  | Closed | 2025-12-12 06:50 | 2025-12-16 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Resolved. Fraud report with all alerts cleared received. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXX_<br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page #XX a clear fraud report is required. The fraud report on file pg #XXX is showing a high alert. Provide the cleared report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Resolved. Fraud report with all alerts cleared received. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6599559 | N/A | N/A |
| XXXX | 2115806 |  |  | Closed | 2025-12-12 05:54 | 2025-12-16 03:57 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (FNMA) provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. FNMA SSR - score of X.X - Seller-XX/XX/XXXX _xXXXX_<br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page #XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. Provide a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. FNMA SSR - score of X.X - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Secondary Valuation or Additional Valuation (FNMA) provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6598936 | N/A | N/A |
| XXXX | 2115806 |  |  | Closed | 2025-12-12 07:54 | 2025-12-16 14:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(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 §XXXXX.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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | NJ | Primary Residence | Purchase | NA | 6600752 | N/A | N/A |
| XXXX | 2115800 |  |  | Closed | 2025-12-13 20:15 | 2025-12-17 05:04 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXX_<br> Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Updated Fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6615236 | N/A | N/A |
| XXXX | 2115790 |  |  | Closed | 2025-12-12 06:09 | 2025-12-23 09:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable received proof of funds for Gift received - resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Ledger - Seller-XX/XX/XXXX _xXXXX_<br> Counter-received gift letter which was in PDF file, proof of funds received at closing required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Asset Record X Does Not Meet G/L Requirements Asset X - Gift - unable to verify gift amount of $XXX,XXX (Gift letter page # XXX), provide the proof of gift funds amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Ledger - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable received proof of funds for Gift received - resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | MD | Primary Residence | Purchase | NA | 6599077 | N/A | N/A |
| XXXX | 2115790 |  |  | Closed | 2025-12-12 06:13 | 2025-12-19 02:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 6599124 | N/A | N/A |
| XXXX | 2115790 |  |  | Closed | 2025-12-12 04:25 | 2025-12-18 03:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested final XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing One in file final XXXX is missing, provide signed final XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-Requested final XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 6598118 | N/A | N/A |
| XXXX | 2115787 |  |  | Closed | 2025-12-14 06:29 | 2025-12-19 07:12 | Resolved | 1 - Information C A | Compliance | Mavent | Late: Amount | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - It appears that Management provided an override as noted in the file, due to a known rounding error - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The late fee ($XXX.XX) exceeds the Alabama Mini-Code limit of the greater of $XX or X% ($X.XX) of the overdue payment, but not to exceed $XXX. (Ala. Code X-XX-X(a) & X-X-X. XXXXXXXX v. XXXXXX XXXXXXXX, Inc., XXX So. Xd XXX. Ex parte XXXXXX, XXX So. Xd XXX) Late fee updated as X% per Note document page # XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Seller Certificate - It appears that Management provided an override as noted in the file, due to a known rounding error - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | 6615880 | N/A | N/A |
| XXXX | 2115787 |  |  | Closed | 2025-12-14 06:29 | 2025-12-19 07:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC and CD Redisclosure - There was a valid COC completed for a rate lock extension, impacting the borrowers discount points - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXX.XX(e)(X); XX CFR XXXXXX.XX(e)(X); XX CFR XXXXXX.XX(f)(X)(v)). Points - Loan Discount Fee increased from $X,XXX.XX (revised CD) to $X,XXX.XX (final CD). Provide sufficient lender credits or a valid COC to cure this. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC and CD Redisclosure - There was a valid COC completed for a rate lock extension, impacting the borrowers discount points - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | 6615879 | N/A | N/A |
| XXXX | 2115787 |  |  | Closed | 2025-12-14 06:01 | 2025-12-19 03:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 3 Missing | Resolved-Final CD page#X updated as proof for EMD & resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EMD Seller Certificate - Seller-XX/XX/XXXX <br>Open-Provide proof of receipt for EMD amount of $X,XXX as it is not in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. EMD Seller Certificate - Seller-XX/XX/XXXX<br>| Resolved-Final CD page#X updated as proof for EMD & resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | 6615849 | N/A | N/A |
| XXXX | 2115787 |  |  | Closed | 2025-12-14 05:23 | 2025-12-19 02:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income Worksheet - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The lender income calculation worksheet on page XXX does not display legible figures, making it difficult to verify exact deposit amounts. Provide an updated worksheet with clear and accurate figures. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Income Worksheet - Seller-XX/XX/XXXX<br>| Resolved-Updated Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | 6615797 | N/A | N/A |
| XXXX | 2115787 |  |  | Closed | 2025-12-14 06:33 | 2025-12-18 03:54 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-IEAD doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial account disclosure - Seller-XX/XX/XXXX <br>Open-Provide Initial Escrow Account Disclosure (IEAD) document, as taxes and insurance are being escrowed but IEAD is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial account disclosure - Seller-XX/XX/XXXX<br>| Resolved-IEAD doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | 6615888 | N/A | N/A |
| XXXX | 2115787 |  |  | Closed | 2025-12-14 05:05 | 2025-12-18 03:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested final XXXX provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Signed final XXXX not in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-Requested final XXXX provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | 6615774 | N/A | N/A |
| XXXX | 2119376 |  |  | Closed | 2025-12-24 11:44 | 2026-01-06 16:54 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Asset Qualification Meets XXXXXXXXX Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please advise if the access letter suffices. - Seller-XX/XX/XXXX <br>Counter-Uploaded does not show Borrower Member XXXXXX Property Management XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. apologies for oversight, see attached XX - Seller-XX/XX/XXXX <br>Counter-Missing documentation Borrower Member XXXXXX's Property Maintenance XXX to document sufficient funds to close and X months post close reserves. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Asset Qualification Does Not Meet XXXXXXXXX Requirements Missing documentation Borrower Member XXX: XXXXXX Enterprises XXX, XXXXXXX XXXXXXXX Funeral Home XXX, XXXXXX's Property Maintenance XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. please advise if the access letter suffices. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. apologies for oversight, see attached XX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Asset Qualification Meets XXXXXXXXX Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 6793426 | N/A | N/A |
| XXXX | 2119377 |  |  | Closed | 2026-01-07 05:33 | 2026-01-09 06:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Purchase contract doc is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXX |  | Only one page of the addendum provided. The complete and fully executed purchase agreement is required. | OH | Investment | Purchase | NA | 6955090 | N/A | N/A |
| XXXX | 2119377 |  |  | Closed | 2026-01-07 05:40 | 2026-01-08 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Flood Certificate Flood cert is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Flood Certificate is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OH | Investment | Purchase | NA | 6955169 | N/A | N/A |

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## Exhibit 99.13

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.13 - Schedule 3**

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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** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2111903 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2093400 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2116764 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 | XXXX |
| 2116745 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116766 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 2092648 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2116757 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.3 | XXXX |
| 2116758 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116779 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116778 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| 2116754 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116768 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| 2116769 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| 2116773 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116776 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.68 | 42.68 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2116750 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2116765 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.43 | 59.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 2116752 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 63.88 | 63.88 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2116775 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.5 | 72.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2116748 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.07 | 68.07 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2116747 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 2116756 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 53.47 | 53.47 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2116767 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2116763 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116781 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 57.81 | 57.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116770 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116771 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 | XXXX |
| 2116755 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116762 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116760 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 23.83 | 23.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 2116761 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116744 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3.7 | XXXX |
| 2116774 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.6 | XXXX |
| 2116782 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116783 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116784 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116746 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116751 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2116777 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 38.56 | 38.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2116753 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX |
| 2116759 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 2116780 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2116772 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.32 | 65.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| 2115817 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109834 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109826 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| 2104442 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 2109833 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2115771 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.44 | 74.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 2115822 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.3 | 77.3 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 2109839 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109846 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 2109808 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109812 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 57.0 | 57.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109845 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.03 | 31.03 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2109822 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.74 | 61.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109821 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.98 | 79.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109830 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 53.19 | 53.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109847 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| 2109813 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2109807 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109815 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.85 | 79.85 | XXXX | XXXX | .0253 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109819 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.99 | 38.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2109820 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 45.0 | 45.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| 2109848 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2115780 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.96 | 41.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109805 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 40.91 | 40.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 2109804 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2115816 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2115809 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| 2109816 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2115810 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0185 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0185 | XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| 2109843 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2115786 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2109836 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 2115774 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2115831 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2109800 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.3 | 30.3 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2115826 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.98 | 84.98 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2109823 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.41 | 84.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2115791 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2115805 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.03 | 42.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| 2115825 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.36 | 55.36 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2115795 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2115781 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| 2115792 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| 2115815 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.35 | 66.35 | XXXX | XXXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2115824 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2115776 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2115794 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.97 | 64.97 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2115802 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2115827 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2115806 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| 2115800 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 40.54 | 40.54 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2115790 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2115787 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| 2119376 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 79.01 | 79.01 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2117013 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 63.36 | 63.36 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2119377 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |

---

## Exhibit 99.13

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.13 - Schedule 4**

---

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| **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** |
|  | 2111903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 775 | 787 | 775 | 745 | 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 | 18.95 | 25.95 | 31277.15 | .00 | .00 | .00 | 31277.15 | Employed |  |  |  | 5.62 |  |  |  | NA | 23159.84 | 8117.31 | Taxes and Insurance | 42.46 | 251651 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 4845.56 | 1081.75 | 5927.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1595.00 | 1 | 31773 | 219 | 10 | 0.18467414400602492 | 5 | No | XXXX | Manual Underwriting | 0 | 7.757 | No | No | XXXX | XXXX | No |
|  | 2093400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 622 | 603 | 638 | 622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 662 | 662 | 672 | 635 | 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 | 14.02 | 40.49 | 31256.81 | .00 | .00 | .00 | 31256.81 | Employed | Not Employed |  |  | 20.16 |  |  |  | NA | 18601.94 | 12654.87 | Taxes and Insurance | 16.95 | 74267.98 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.125 | 9.125 | XXXX | 3195.99 | 1216.32 | 4382.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 3673.02 | 1 | 60665 | 216 | 9 | 0.18519874476987447 | 1.33 | No | XXXX | Manual Underwriting | 0 | 9.279 | Yes | No | XXXX | XXXX | No |
|  | 2116764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 687 | 671 | 715 | 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 | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6860 | Taxes and Insurance | 27.14 | 83883.27 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 9 | 9 | XXXX | 2506.4 | 584.85 | 3091.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 83883.27 | 5342.35 | 12 | 54213 | 120 | 13 | 0.3905462368819343 | 3.75 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 701 | 698 | 701 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 748 | 733 | 748 | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.42 | 35.71 | 13291.00 | 6752.70 | .00 | .00 | 20043.70 | Employed | Employed |  |  | 1.71 | 8.85 |  |  | 3 YRS | 12886.43 | 7157.27 | Taxes and Insurance | 27.38 | 90116.39 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | 2609.6 | 682.29 | 3291.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 8109.37 | 2 | 30000 | 179 | 25 | 0.27806711901705483 | 5.08 | No | XXXX | Manual Underwriting | 0 | 8.186 | Yes | No | XXXX | XXXX | No |
|  | 2116766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 678 | 677 | 678 | 699 | 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 | KY | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 9.05 | 20.9 | 63092.00 | .00 | .00 | .00 | 63092.00 | Employed |  |  |  | 3.8 |  |  |  | 3 YRS | 49907.65 | 13184.35 | Taxes and Insurance | 18.04 | 103060.88 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 4648.38 | 1026.48 | 5712.35 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 13627.88 | 1 | 138740 | 131 | 15 | 0.2986342943854325 | 6 | No | XXXX | Manual Underwriting | 13627.88 | 7.765 | No | No | XXXX | XXXX | No |
|  | 2092648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 709 | 709 | 705 | 718 | 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 | 9.53 | 31.87 | 140000.00 | .00 | .00 | .00 | 140000.00 | Employed |  |  |  | 5.15 |  |  |  | NA | 95380.69 | 44619.31 | Taxes and Insurance | 11.63 | 155197.04 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 10341.38 | 3001.93 | 13343.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1950.00 | 6 | 104609 | 74 | 3 | 0 | 1.92 | No | XXXX | Manual Underwriting | 0 | 7.580 | No | No | XXXX | XXXX | No |
|  | 2116757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 691 | 705 | 691 | 617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 736 | 736 | 718 | 757 | 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 | 26.88 | 46.87 | 14882.13 | 4802.77 | .00 | .00 | 19684.90 | Employed | Employed |  |  | 28.81 | 10.38 |  |  | Yes | 10458.41 | 9226.49 | Taxes and Insurance | 20.07 | 106194.92 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.375 | 8.375 | XXXX | 4256.4 | 1034.21 | 5290.6 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | A | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1595.00 | 2 | 37600 | 502 | 12 | 0.11313609467455621 | 7.92 | No | XXXX | Manual Underwriting | 0 | 8.471 | Yes | No | XXXX | XXXX | No |
|  | 2116758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 779 | 759 | 779 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 777 | 745 | 791 | 777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CT | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 14.32 | 49.47 | 6534.99 | 2930.03 | .00 | .00 | 9465.02 | Employed | Employed |  |  | 14.44 | 14.44 |  |  | 3 YRS | 4783.05 | 4681.97 | Taxes and Insurance | 200.98 | 431691.07 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | 1495.46 | 342.46 | 2147.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 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 | 2 | 198051.77 | 2492.19 | 3 | 24000 | 356 | 11 | 0.08521106259097526 | 4.75 | No | XXXX | Manual Underwriting | 0 | 8.066 | No | No | XXXX | XXXX | No |
|  | 2116779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 696 | 696 | 695 | 701 | 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 | CO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 8.69 | 23.63 | 36845.00 | .00 | .00 | .00 | 36845.00 | Employed |  |  |  | 3.35 |  |  |  | Yes | 28138.41 | 8706.59 | Taxes and Insurance | 8.86 | 28365.55 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | XXXX | 2800.56 | 400.03 | 3200.59 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 9225.66 | 1 | 51631 | 305 | 13 | 0.4851578947368421 | 2.50 | No | XXXX | Manual Underwriting | 0 | 8.052 | Yes | No | XXXX | XXXX | No |
|  | 2116778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 777 | 777 | 801 | 739 | 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 | CO | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 0 | 28.03 | 12633.00 | .00 | .00 | .00 | 12633.00 | Employed |  |  |  | 18.08 |  |  |  | 3 YRS | 9092.47 | 3540.53 | Taxes and Insurance | 65.12 | 134897.28 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | XXXX | 1811.39 | 260.14 | 2071.53 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 3348.05 | 2 | 30000 | 124 | 5 | 0.1456241426611797 | 9.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 757 | 757 | 626 | 771 | 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 | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1536 | No Escrow | 136.66 | 244590.35 | XXXX | XXXX | 50 | 50 | 50 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | XXXX | 1139.23 | 0 | 1789.83 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Retail | 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 | 158327.12 | 3265.00 | 4 | 48015 | 285 | 14 | 0.2389401226220374 | 4 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 803 | 804 | 762 | 803 | 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 | KY | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 17.78 | 41.53 | 15568.58 | .00 | .00 | .00 | 15568.58 | Employed |  |  |  | 16.59 |  |  |  | NA | 9102.73 | 6465.85 | No Escrow | 32.97 | 42765.54 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 1101.26 | 0 | 1297.03 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 42765.54 | 2621.90 | 9 | 18900 | 169 | 9 | 0.013760523854069224 | 12.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 803 | 804 | 762 | 803 | 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 | KY | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 17.78 | 41.54 | 15569.00 | .00 | .00 | .00 | 15569.00 | Employed |  |  |  | 16.59 |  |  |  | 3 YRS | 9101.15 | 6467.85 | No Escrow | 29.14 | 37795.69 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 1127.48 | 0 | 1297.18 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 37795.69 | 2646.35 | 9 | 18900 | 169 | 9 | 0.013760523854069224 | 12.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 796 | 796 | 801 | 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 | AL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 19.43 | 35.38 | 20718.42 | .00 | .00 | .00 | 20718.42 | Employed |  |  |  | 19.1 |  |  |  | 1 YR | 13388.17 | 7330.25 | Taxes and Insurance | 8.23 | 33122.38 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | XXXX | 3577.45 | 365.59 | 4026.36 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 9013.07 | 2 | 314100 | 528 | 20 | 0.5144816246457209 | 19 | No | XXXX | Manual Underwriting | 0 | 7.329 | No | No | XXXX | XXXX | No |
|  | 2116776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 726 | 721 | 726 | 730 | 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 | 27.23 | 27.23 | 12887.00 | .00 | .00 | .00 | 12887.00 | Employed |  |  |  | 4.66 |  |  |  | 3 YRS | 9377.53 | 3509.47 | Taxes and Insurance | 19.57 | 68693.48 | XXXX | XXXX | 42.68 | 42.68 | 42.68 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | XXXX | 2768.98 | 740.49 | 3509.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 393232.84 | 1841.60 | 1 | 130951.25 | 167 | 8 | 0 | 4.25 | No | XXXX | Manual Underwriting | 0 | 7.204 | No | No | XXXX | XXXX | No |
|  | 2116750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 801 | 798 | 801 | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 794 | 763 | 805 | 794 | 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 | 28.01 | 31.13 | 14159.95 | .00 | .00 | .00 | 14159.95 | Employed | Not Employed |  |  | 1.43 |  |  |  | Yes | 9751.71 | 4408.24 | Taxes and Insurance | 56.19 | 322904.81 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 2908.88 | 1057.99 | 3966.86 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 10163.18 | 1 | 25000 | 255 | 12 | 0.04161702127659574 | 2 | No | XXXX | Manual Underwriting | 0 | 7.121 | No | No | XXXX | XXXX | No |
|  | 2116765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 694 | 694 | 711 | 692 | 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 | 40.67 | 40.67 | 8040.77 | .00 | .00 | .00 | 8040.77 | Employed |  |  |  | 2.44 |  |  |  | 3 YRS | 4770.9 | 3269.87 | Taxes and Insurance | 13.07 | 42733.57 | XXXX | XXXX | 59.43 | 59.43 | 59.43 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7 | XXXX | 2767.66 | 502.23 | 3269.87 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 3529.40 | 1 | 6000 | 39 | 2 | 0 | 20.00 | No | XXXX | Manual Underwriting | 1595 | 7.106 | No | No | XXXX | XXXX | No |
|  | 2116752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 715 | 728 | 715 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 728 | 728 | 715 | 733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8711.46 | Taxes and Insurance | 65.52 | 141884.47 | XXXX | XXXX | 63.88 | 63.88 | 63.88 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | XXXX | 1907.79 | 257.59 | 2165.37 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 2 | 141884.47 | 8594.20 | 4 | 25000 | 313 | 9 | 0.6929038281979458 | 26 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 708 | 708 | 0 | 713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 700 | 700 | 684 | 710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 19.52 | 38.22 | 29731.00 | 4872.00 | .00 | .00 | 34603.00 | Employed | Employed |  |  | 7.19 | 5.12 |  |  | 3 YRS | 21376.15 | 13226.85 | Taxes and Insurance | 10.29 | 69465.92 | XXXX | XXXX | 72.5 | 72.5 | 72.5 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 6083.17 | 622.11 | 6753.28 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 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 | 56262.32 | 13209.50 | 1 | 58831 | 245 | 36 | 0.32137989778534926 | 1.08 | No | XXXX | Manual Underwriting | 0 | 7.672 | No | No | XXXX | XXXX | No |
|  | 2116748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 715 | 728 | 715 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 728 | 728 | 715 | 733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8263.37 | Taxes and Insurance | 7.56 | 9000 | XXXX | XXXX | 68.07 | 68.07 | 68.07 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | XXXX | 1008.93 | 181.69 | 1190.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 363.55 | 4065.88 | 4 | 25000 | 313 | 5 | 0.7170048309178744 | 26 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 735 | 735 | 762 | 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 | NH | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.92 | 40.14 | 32374.00 | .00 | .00 | .00 | 32374.00 | Employed |  |  |  | 4.59 |  |  |  | 3 YRS | 19378.62 | 12995.38 | Taxes and Insurance | 24.24 | 140661.73 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | 4718.84 | 1066.88 | 5802.38 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 1595.00 | 3 | 118400 | 113 | 12 | 0.699673635900051 | 7.33 | No | XXXX | Manual Underwriting | 0 | 7.915 | Yes | No | XXXX | XXXX | No |
|  | 2116756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 814 | 814 | 821 | 812 | 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 | Full Doc | Primary Residence | Purchase | NA | 33 | 53.14 | 29293.00 | .00 | .00 | .00 | 29293.00 | Employed |  |  |  | 2.49 |  |  |  | 3 YRS | 13725.3 | 15567.7 | No Escrow | 79.95 | 772927.86 | XXXX | XXXX | 53.47 | 53.47 | 53.47 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7 | XXXX | 6120.78 | 0 | 9667.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 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 | 0 | 13158.00 | 4 | 42000 | 315 | 10 | 0.005706066945606695 | 2.92 | No | XXXX | Manual Underwriting | 0 | 7.154 | No | No | XXXX | XXXX | No |
|  | 2116767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 743 | 756 | 731 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 756 | 773 | 756 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | Full Doc | Second Home | Purchase | NA | 12.32 | 46.96 | 19648.20 | 1546.20 | .00 | .00 | 21194.40 | Retired | Retired |  |  |  |  |  |  | 3 YRS | 11241 | 9953.4 | Taxes and Insurance | 20.74 | 109710.24 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.25 | 9.25 | XXXX | 4072.24 | 516.96 | 5289.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 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 | 2 | 0 | 2624.60 | 3 | 30000 | 316 | 4 | 0.1428930817610063 | 15.08 | No | XXXX | Manual Underwriting | 0 | 9.342 | No | No | XXXX | XXXX | No |
|  | 2116763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 784 | 784 | 768 | 788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 787 | 791 | 771 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | RI | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 32.84 | 42.3 | 6645.27 | 5000.00 | .00 | .00 | 11645.27 | Employed | Employed |  |  | 1.23 | 0.91 |  |  | 3 YRS | 6718.88 | 4926.39 | Taxes and Insurance | 8.48 | 32438.01 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | 3262.81 | 561.6 | 3824.39 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 6590.00 | 1 | 86546 | 180 | 29 | 0.007762803234501348 | 3.08 | No | XXXX | Manual Underwriting | 0 | 8.055 | Yes | No | XXXX | XXXX | No |
|  | 2116781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 763 | 753 | 763 | 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 | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 28.24 | 42.49 | 15045.83 | .00 | .00 | .00 | 15045.83 | Employed |  |  |  | 16.29 |  |  |  | 3 YRS | 8652.26 | 6393.57 | No Escrow | 77.32 | 328467.54 | XXXX | XXXX | 57.81 | 57.81 | 57.81 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | XXXX | 2389.74 | 0 | 4248.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 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 | 0 | 1595.00 | 1 | 155123 | 519 | 11 | 0.3671011361104923 | 1.00 | No | XXXX | Manual Underwriting | 1595 | 7.453 | No | No | XXXX | XXXX | No |
|  | 2116770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 779 | 792 | 778 | 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 | KY | XXXX | XXXX | ALT DOC | Investment | Refinance | Rate and Term | 3.63 | 10.14 | 116142.74 | .00 | .00 | .00 | 116142.74 | Employed |  |  |  | 4.35 |  |  |  | Yes | 104360.87 | 11781.87 | Taxes and Insurance | 34.95 | 54917.49 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 1286.55 | 284.83 | 1571.38 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 4920 | 3024.68 | 5 | 32044 | 132 | 6 | 0.09139012187871655 | 0.17 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 771 | 769 | 790 | 771 | 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 | IN | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 11.03 | 30.46 | 28687.88 | .00 | .00 | .00 | 28687.88 | Employed |  |  |  | 22.61 |  |  |  | 3 YRS | 19949.32 | 8738.56 | No Escrow | 74.44 | 235561.75 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | XXXX | 2584.85 | 0 | 3164.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 235561.75 | 1595.00 | 6 | 63000 | 324 | 6 | 0.18479478827361565 | 15.00 | No | XXXX | Manual Underwriting | 1595 | 7.439 | No | No | XXXX | XXXX | No |
|  | 2116755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 719 | 680 | 719 | 745 | 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 | CO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 28.15 | 44.57 | 9847.50 | .00 | .00 | .00 | 9847.50 | Not Employed |  |  |  |  |  |  |  | 3 YRS | 5458.67 | 4388.83 | Taxes and Insurance | 30.74 | 85213.93 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | 2148.02 | 200.06 | 2772.08 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 4883.38 | 1 | 14093 | 397 | 3 | 0.026034482758620688 | 20.00 | No | XXXX | Manual Underwriting | 0 | 8.088 | Yes | No | XXXX | XXXX | No |
|  | 2116762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 767 | 749 | 823 | 767 | 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 | RI | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 0 | 32.7 | 3705.58 | .00 | .00 | .00 | 3705.58 | Retired |  |  |  |  |  |  |  | 3 YRS | 2493.76 | 1211.82 | Taxes and Insurance | 33.37 | 68432.45 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | ARM | XXXX | 7.375 | 7.875 | XXXX | 1386.15 | 283.42 | 2050.81 | XXXX | ARM | 360 | 360 | XXXX | 3.75 | Nearest | 0.125 | 45 Days | SOFR 30 Day Average | 4.17675 | 5 | 1 | 7.375 | 7.375 | 12.375 | 12.375 | 11-01-2032 | 11-01-2032 | 6 | 6 | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 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 | 0 | 4013.36 | 1 | 29431 | 150 | 3 | 0.27015 | 0.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 745 | 726 | 745 | 750 | 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 | IL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 40.76 | 49.98 | 10157.00 | .00 | .00 | .00 | 10157.00 | Retired |  |  |  |  |  |  |  | NA | 5080.51 | 5076.49 | No Escrow | 132.03 | 546649.3 | XXXX | XXXX | 23.83 | 23.83 | 23.83 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | XXXX | 1487.14 | 0 | 4140.49 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 211763.8 | 3742.30 | 1 | 40000 | 752 | 7 | 0.0034929906542056073 | 27 | No | XXXX | Manual Underwriting | 3742.3 | 7.450 | No | No | XXXX | XXXX | No |
|  | 2116761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 765 | 792 | 761 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 766 | 766 | 758 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 31.19 | 45.55 | 6494.17 | 1785.90 | .00 | .00 | 8280.07 | Employed | Employed |  |  | 0.07 | 3.04 |  |  | 3 YRS | 4508.25 | 3771.82 | Taxes and Insurance | 6.42 | 16567.8 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.25 | 6.25 | XXXX | 1431.54 | 596.13 | 2582.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 2 | 0 | 15956.53 | 1 | 13500 | 75 | 6 | 0.060334728033472805 | 6.00 | No | XXXX | Manual Underwriting | 0 | 6.467 | No | No | XXXX | XXXX | No |
|  | 2116744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 792 | 792 | 798 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 787 | 792 | 785 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.2 | 32.84 | 4725.00 | 3900.00 | .00 | .00 | 8625.00 | Employed | Employed |  |  | 2.71 | 10.61 |  |  | 3 YRS | 5792.34 | 2832.66 | Taxes and Insurance | 11.05 | 30699.21 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | XXXX | 2312.38 | 453.62 | 2777.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 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 | 0 | 4750.82 | 1 | 13000 | 178 | 4 | 0.010149253731343283 | 1.42 | No | XXXX | Manual Underwriting | 4750.82 | 7.543 | No | No | XXXX | XXXX | No |
|  | 2116774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 741 | 745 | 741 | 729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 680 | 680 | 684 | 680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KY | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  | 24.61 |  |  |  |  | 10562 | No Escrow | 32.21 | 32750.9 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | XXXX | 857.55 | 0 | 1016.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 3%, 2%, 1% | Retail | 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 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 173.33 | 1912.21 | 7 | 84983 | 219 | 31 | 0.12916420488115257 | 2.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 758 | 758 | 739 | 766 | 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 | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Home Improvement/Reno | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 5.22 |  |  |  |  |  | 12425.26 | Taxes and Insurance | 109.58 | 158150.27 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | XXXX | 1156.29 | 287 | 1443.29 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 6 months interest on amount that exceeds 20% | Retail | 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 | 158150.27 | 5434.18 | 4 | 340052 | 263 | 12 | 0.16880102040816328 | 7.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 758 | 758 | 739 | 766 | 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 | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Home Improvement/Reno | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 5.22 |  |  |  |  |  | 5740.26 | Taxes and Insurance | 54.05 | 76462.52 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | XXXX | 1033.5 | 381.27 | 1414.77 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 6 months interest on amount that exceeds 20% | Retail | 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 | 76462.52 | 5026.48 | 4 | 340052 | 263 | 10 | 0.2074294670846395 | 7.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 758 | 758 | 739 | 766 | 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 | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Home Improvement/Reno | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 5.22 |  |  |  |  |  | 5740.26 | Taxes and Insurance | 41.41 | 79174.24 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | XXXX | 1458.38 | 453.41 | 1911.79 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 6 months interest on amount that exceeds 20% | Retail | 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 | 79174.24 | 10230.80 | 4 | 340052 | 263 | 10 | 0.21256384701631992 | 7.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 578 | 578 | 579 | 487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 735 | 735 | 744 | 731 | 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 | 5.92 | 17.9 | .00 | 83494.00 | .00 | .00 | 83494.00 | Not Employed | Employed |  |  | 1.15 | 11.21 |  |  | NA | 71468.28 | 14948.61 | Taxes and Insurance | 17.26 | 85284.11 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | XXXX | 1676.4 | 342.82 | 4942.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 4875.68 | 7 | 32000 | 249 | 17 | 0.09478365384615385 | 3.08 | No | XXXX | Manual Underwriting | 4875.68 | 7.982 | Yes | No | XXXX | XXXX | No |
|  | 2116751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 788 | 788 | 764 | 791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 772 | 772 | 760 | 784 | 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 |  |  |  |  |  |  |  |  |  |  | 8711 | Taxes and Insurance | 288.95 | 1176108.58 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | XXXX | 3248.94 | 733.39 | 4070.33 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 6 months interest on amount that exceeds 20% | Retail | 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 | 2 | 0 | 1595.00 | 4 | 189431 | 403 | 12 | 0.11224314546733813 | 0.42 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 788 | 780 | 815 | 788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 788 | 770 | 795 | 788 | 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 | Rate and Term | 10.21 | 27.35 | 12010.88 | 7611.62 | .00 | .00 | 19622.50 | Employed | Employed |  |  | 10.25 | 8.75 |  |  | 3 YRS | 14255.01 | 5367.49 | Taxes and Insurance | 9.21 | 29189.42 | XXXX | XXXX | 38.56 | 38.56 | 38.56 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | XXXX | 1644.04 | 804.51 | 3168.55 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 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 | 2 | 531.59 | 2040.85 | 2 | 60000 | 290 | 5 | 0.11688915375446961 | 27.17 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 781 | 773 | 789 | 781 | 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 | MI | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 29.16 | 39.28 | 10247.00 | .00 | .00 | .00 | 10247.00 | Employed |  |  |  | 4.68 |  |  |  | 3 YRS | 6221.97 | 4025.03 | Taxes and Insurance | 30.44 | 69546.06 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | 1466.82 | 818.21 | 2285.03 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 1% | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | 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 | 0 | 6349.05 | 2 | 20035 | 96 | 5 | 0.07152380952380952 | 1.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 713 | 723 | 696 | 713 | 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 | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9014 | Taxes and Insurance | 17.08 | 21954.81 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | XXXX | 1122.18 | 163.4 | 1285.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 6 months interest on amount that exceeds 20% | Retail | 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 | 0 | 2030.93 | 2 | 29700 | 200 | 7 | 0.4941769547325103 | 0.42 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 731 | 729 | 731 | 733 | 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 | TN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 12666 | Taxes and Insurance | 42.92 | 156692.31 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | XXXX | 3219.39 | 431.21 | 3650.6 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5499.88 | 6 | 39200 | 143 | 3 | 0.7717722772277228 | 0.42 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2116772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 709 | 709 | 724 | 702 | 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 | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Debt Consolidation | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5033 | Taxes and Insurance | 16.71 | 35101.81 | XXXX | XXXX | 65.32 | 65.32 | 65.32 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | XXXX | 1621.48 | 478.03 | 2100.37 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 6 months interest on amount that exceeds 20% | Retail | 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 | 35101.81 | 5108.29 | 2 | 36000 | 272 | 11 | 0.4156897251929065 | 18.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2115817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 753 | 776 | 723 | 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 | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 33.13 | 41.91 | 4317.12 | .00 | .00 | .00 | 4317.12 | Employed |  |  |  | 4.84 |  |  |  | NA | 2508 | 1809.12 | Taxes and Insurance | 4.72 | 6744.96 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 1006.87 | 423.25 | 1430.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | C | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 15000 | 133 | 11 | 0.07577248327998705 | 28.92 | No | XXXX | Manual Underwriting | 4305 | 7.810 | Yes | No | XXXX | XXXX | No |
|  | 2109834 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 691 | 701 | 691 | 688 | 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 | Full Doc | Primary Residence | Purchase | NA | 34.48 | 44.25 | 9588.38 | .00 | .00 | .00 | 9588.38 | Employed |  |  |  | 3.68 |  |  |  | 2 YRS | 5345.31 | 4243.07 | Taxes and Insurance | 36.34 | 120156.3 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | XXXX | 2951.62 | 239.45 | 3306.07 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 3538.56 | 1 | 21623 | 312 | 6 | 0.09741721854304636 | 1 | No | XXXX | Manual Underwriting | 8635 | 7.952 | Yes | No | XXXX | XXXX | No |
|  | 2109826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 804 | 800 | 821 | 804 | 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 | IA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 30.27 | 42.03 | 8448.60 | .00 | .00 | .00 | 8448.60 | Not Employed |  |  |  |  |  |  |  | 2 YRS | 4897.94 | 3550.66 | No Escrow | 25.33 | 64772.13 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 1986.55 | 0 | 2557.22 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 4894.31 | 2 | 15000 | 455 | 7 | 0.021995753715498938 | 6.25 | No | XXXX | Manual Underwriting | 8674.31 | 7.104 | No | No | XXXX | XXXX | No |
|  | 2104442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 703 | 703 | 693 | 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 | FL | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 1.43 | 7.98 | 264956.97 | .00 | .00 | .00 | 264956.97 | Employed |  |  |  | 7.05 |  |  |  | NA | 243807.49 | 21149.48 | Taxes and Insurance | 12.36 | 117741.94 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | XXXX | 8220.83 | 1307.18 | 9528.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | 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 | 0 | 1425.00 | 2 | 66299 | 122 | 6 | 0.061981566820276494 | 6 | No | XXXX | Manual Underwriting | 21506.25 | 8.012 | No | No | XXXX | XXXX | No |
|  | 2109833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 791 | 808 | 791 | 786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 814 | 814 | 814 | 783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.81 | 23.79 | 16802.00 | 17137.00 | .00 | .00 | 33939.00 | Employed | Employed |  |  | 2.16 | 4.87 |  |  | NA | 25864.87 | 8074.13 | Taxes and Insurance | 41.53 | 222874.19 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | XXXX | 4462.35 | 867.28 | 5366.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1425.00 | 5 | 22000 | 167 | 3 | 0.003343283582089552 | 2.08 | No | XXXX | Manual Underwriting | 15185 | 6.831 | No | No | XXXX | XXXX | No |
|  | 2115771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 647 | 677 | 647 | 632 | 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 | 37.6 | 48.51 | 6330.83 | .00 | .00 | .00 | 6330.83 | Employed |  |  |  | 11.62 |  |  |  | Yes | 3259.6 | 3071.23 | Taxes and Insurance | 10.36 | 24660.29 | XXXX | XXXX | 74.44 | 74.44 | 74.44 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8 | 8 | XXXX | 1966.49 | 414.15 | 2380.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 20692.67 | 8192.00 | 1 | 7373 | 111 | 15 | 0.554978996787744 | 1 | No | XXXX | Manual Underwriting | 12569 | 8.590 | Yes | No | XXXX | XXXX | No |
|  | 2115822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 674 | 684 | 648 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 674 | 681 | 663 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KY | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.81 | 49.59 | 29293.29 | .00 | .00 | .00 | 29293.29 | Employed | Not Employed |  |  | 5.32 |  |  |  | 2 YRS | 14767.97 | 14525.32 | Taxes and Insurance | 13.07 | 60507.27 | XXXX | XXXX | 77.3 | 77.3 | 77.3 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | 3951.63 | 666.44 | 4630.57 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 6873.65 | 2 | 72500 | 225 | 14 | 0.9261124845488257 | 18.92 | No | XXXX | Manual Underwriting | 6873.65 | 8.060 | Yes | No | XXXX | XXXX | No |
|  | 2109839 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 753 | 765 | 731 | 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 | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 18.19 | 33.14 | 22848.21 | .00 | .00 | .00 | 22848.21 | Employed |  |  |  | 18.3 |  |  |  | NA | 15276.06 | 7572.15 | Taxes and Insurance | 24.04 | 99871.63 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 3363.48 | 791.67 | 4155.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1425.00 | 1 | 26880 | 145 | 11 | 0.07323777403035413 | 7 | No | XXXX | Manual Underwriting | 12238.44 | 7.185 | No | No | XXXX | XXXX | No |
|  | 2109846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 777 | 777 | 779 | 769 | 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 | 42.19 | 43.23 | 15772.58 | .00 | .00 | .00 | 15772.58 | Employed |  |  |  | 15.17 |  |  |  | NA | 8954.79 | 6817.79 | No Escrow | 9.72 | 64684.91 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 5386.82 | 0 | 6654.79 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | 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 | 0 | 1545.00 | 3 | 15600 | 243 | 6 | 0.18103235747303545 | 13.42 | No | XXXX | Manual Underwriting | 1545 | 6.985 | No | No | XXXX | XXXX | No |
|  | 2109808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 724 | 713 | 737 | 724 | 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 | IL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 11.6 | 42.66 | 41990.00 | .00 | .00 | .00 | 41990.00 | Employed |  |  |  | 15.76 |  |  |  | 2 YRS | 24077.47 | 17912.53 | Taxes | 9.18 | 44706.41 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 3810.19 | 796 | 4869.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1425.00 | 4 | 28000 | 236 | 17 | 0.27805838424983026 | 1.25 | No | XXXX | Manual Underwriting | 5425 | 7.027 | No | No | XXXX | XXXX | No |
|  | 2109812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 799 | 799 | 787 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 767 | 772 | 763 | 767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 2.77 | 16.33 | 20084.73 | 2604.10 | .00 | .00 | 22688.83 | Not Employed | Not Employed |  |  |  |  |  |  | 2 YRS | 18983.47 | 3705.36 | Taxes and Insurance | 412.77 | 1258199.3 | XXXX | XXXX | 57 | 57 | 57 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 1591.41 | 1381.76 | 3048.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2728.90 | 2 | 21000 | 213 | 1 | 0.13366666666666666 | 25.17 | No | XXXX | Manual Underwriting | 0 | 7.087 | No | No | XXXX | XXXX | No |
|  | 2109845 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 749 | 749 | 732 | 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 | ID | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 14.74 | 19.43 | 10380.69 | .00 | .00 | .00 | 10380.69 | Employed |  |  |  | 15.37 |  |  |  | 2 YRS | 8364.02 | 2016.67 | Taxes and Insurance | 33.62 | 51428.03 | XXXX | XXXX | 31.03 | 31.03 | 31.03 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7 | XXXX | 1197.54 | 332.13 | 1529.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | 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 | 0 | 1673.40 | 2 | 16800 | 289 | 6 | 0.3606573130886027 | 19.50 | No | XXXX | Manual Underwriting | 5025 | 7.177 | No | No | XXXX | XXXX | No |
|  | 2109822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 804 | 804 | 803 | 807 | 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 | TN | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 18.92 | 19.39 | 14034.68 | .00 | .00 | .00 | 14034.68 | Employed |  |  |  | 1.3 |  |  |  | NA | 11314 | 2720.68 | Taxes and Insurance | 18.45 | 49002.24 | XXXX | XXXX | 61.74 | 61.74 | 61.74 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 2332.1 | 283.58 | 2655.68 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1425.00 | 1 | 18300 | 120 | 3 | 0.02746527777777778 | 3.08 | No | XXXX | Manual Underwriting | 10300 | 6.988 | No | No | XXXX | XXXX | No |
|  | 2109821 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 800 | 800 | 784 | 803 | 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 | IL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 42.82 | 43.3 | 8121.00 | .00 | .00 | .00 | 8121.00 | Employed |  |  |  | 3.04 |  |  |  | NA | 4604.68 | 3516.32 | Taxes and Insurance | 22.06 | 76708.92 | XXXX | XXXX | 79.98 | 79.98 | 79.98 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7 | XXXX | 2838.28 | 298.04 | 3477.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 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 | 0 | 1425.00 | 1 | 24000 | 182 | 3 | 0.05155367231638418 | 16.00 | No | XXXX | Manual Underwriting | 9957.3 | 7.122 | No | No | XXXX | XXXX | No |
|  | 2109830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 772 | 758 | 788 | 772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 774 | 746 | 792 | 774 | 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 | 17.66 | 30.52 | 23690.20 | 3629.78 | .00 | .00 | 27319.98 | Employed | Retired |  |  |  |  |  |  | Yes | 18980.72 | 8339.26 | No Escrow | 166.42 | 802969.5 | XXXX | XXXX | 53.19 | 53.19 | 53.19 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 3284.64 | 0 | 4824.82 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 2290.00 | 2 | 37000 | 475 | 12 | 0.13374837775311754 | 17.17 | No | XXXX | Manual Underwriting | 2290 | 6.988 | No | No | XXXX | XXXX | No |
|  | 2109847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 735 | 735 | 737 | 722 | 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 | 24.62 | 36.18 | 14997.00 | .00 | .00 | .00 | 14997.00 | Employed |  |  |  | 5.84 |  |  |  | 2 YRS | 9570.68 | 5426.32 | Taxes and Insurance | 19.36 | 71466.77 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 2615.06 | 1062.26 | 3692.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1425.00 | 1 | 63309 | 40 | 6 | 0 | 1.00 | No | XXXX | Manual Underwriting | 0 | 7.827 | Yes | No | XXXX | XXXX | No |
|  | 2109813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 788 | 793 | 774 | 788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 784 | 784 | 784 | 781 | 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 | 24.59 | 31.88 | 9646.00 | 2290.89 | .00 | .00 | 11936.89 | Employed | Employed |  |  | 10.13 | 6.54 |  |  | NA | 8131.57 | 3805.32 | Taxes and Insurance | 12.78 | 37508.83 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | XXXX | 2620.92 | 314.19 | 2935.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1425.00 | 2 | 35000 | 251 | 8 | 0.17675201170446234 | 8.17 | No | XXXX | Manual Underwriting | 2925 | 7.379 | No | No | XXXX | XXXX | No |
|  | 2109807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 691 | 695 | 691 | 677 | 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 | Primary Residence | Purchase | NA | 23.08 | 34.89 | 18872.78 | .00 | .00 | .00 | 18872.78 | Employed |  |  |  | 9.59 |  |  |  | Yes | 12288.71 | 6584.07 | Taxes and Insurance | 17.57 | 76555.14 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | XXXX | 3684.15 | 671.92 | 4356.07 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 6851.88 | 2 | 100194 | 71 | 4 | 0.6653333333333333 | 3 | No | XXXX | Manual Underwriting | 6851.88 | 7.942 | Yes | No | XXXX | XXXX | No |
|  | 2109815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 782 | 782 | 765 | 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 | NV | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 26.31 | 33.97 | 8982.73 | .00 | .00 | .00 | 8982.73 | Employed |  |  |  | 2.79 |  |  |  | 2 YRS | 5931.65 | 3051.08 | No Escrow | 14.7 | 34727.79 | XXXX | XXXX | 79.85 | 79.85 | 79.85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7 | XXXX | 1891.12 | 0 | 2363.08 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 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 | 50.06 | 1140.22 | 2 | 27000 | 164 | 15 | 0.035994108983799705 | 0.50 | No | XXXX | Manual Underwriting | 0 | 7.085 | No | No | XXXX | XXXX | No |
|  | 2109819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 778 | 778 | 772 | 791 | 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 | 42.41 | 44.29 | 29084.93 | .00 | .00 | .00 | 29084.93 | Not Employed |  |  |  |  |  |  |  | 2 YRS | 16203.09 | 12881.84 | Taxes and Insurance | 7.87 | 97027.05 | XXXX | XXXX | 38.99 | 38.99 | 38.99 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | XXXX | 10719.03 | 1614.81 | 12333.84 | XXXX | Fixed | 480 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 97027.05 | 350.00 | 2 | 49800 | 260 | 3 | 0.18514427040395712 | 27 | No | XXXX | Manual Underwriting | 0 | 7.154 | No | No | XXXX | XXXX | No |
|  | 2109820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 654 | 650 | 654 | 659 | 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 | GA | XXXX | XXXX | Full Doc | Second Home | Purchase | NA | 30.35 | 48.99 | 8575.76 | .00 | .00 | .00 | 8575.76 | Employed |  |  |  | 25.81 |  |  |  | 2 YRS | 4374.91 | 4200.85 | Taxes | 137.04 | 218973.82 | XXXX | XXXX | 45 | 45 | 45 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 1132.73 | 317.85 | 1597.85 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 14267.60 | 1 | 13891 | 364 | 24 | 0.24236163776946748 | 19 | No | XXXX | Manual Underwriting | 14267.6 | 8.674 | No | No | XXXX | XXXX | No |
|  | 2109848 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 773 | 802 | 765 | 773 | 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 | 27.01 | 43.76 | 7104.04 | .00 | .00 | .00 | 7104.04 | Employed |  |  |  | 2.07 |  |  |  | NA | 3995.66 | 3108.38 | Taxes and Insurance | 11.95 | 22924.3 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | XXXX | 1611.93 | 306.52 | 1918.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 4829.75 | 1 | 46274 | 131 | 5 | 0.0703971119133574 | 7 | Yes | XXXX | Manual Underwriting | 8767.25 | 8.015 | Yes | No | XXXX | XXXX | No |
|  | 2115780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 678 | 663 | 678 | 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 | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 32.22 | 44.87 | 5971.45 | .00 | .00 | .00 | 5971.45 | Employed |  |  |  | 7.41 |  |  |  | 2 YRS | 3292.3 | 2679.15 | Taxes and Insurance | 4.19 | 8054.3 | XXXX | XXXX | 41.96 | 41.96 | 41.96 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | XXXX | 1388 | 536.15 | 1924.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 64953.3 | 350.00 | 2 | 29551 | 198 | 14 | 0.6589169000933707 | 11.00 | No | XXXX | Manual Underwriting | 6235 | 7.136 | No | No | XXXX | XXXX | No |
|  | 2109805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 640 | 640 | 646 | 634 | 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 | VA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 15.33 | 38.48 | 10138.00 | .00 | .00 | .00 | 10138.00 | Employed |  |  |  | 28.92 |  |  |  | 2 YRS | 6236.8 | 3901.2 | Taxes and Insurance | 10.52 | 16355.77 | XXXX | XXXX | 40.91 | 40.91 | 40.91 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | 1305.12 | 249.08 | 1554.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 16355.77 | 3675.00 | 1 | 51300.17 | 230 | 6 | 0.9952298570841936 | 1 | No | XXXX | Manual Underwriting | 7275 | 8.380 | Yes | No | XXXX | XXXX | No |
|  | 2109804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 727 | 738 | 727 | 726 | 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 | 42.93 | 42.93 | 8067.10 | .00 | .00 | .00 | 8067.10 | Employed |  |  |  | 2.74 |  |  |  | 2 YRS | 4603.8 | 3463.3 | Taxes and Insurance | 40.22 | 139285.02 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | XXXX | 2429.95 | 1056.71 | 3463.3 | XXXX | Fixed | 480 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 58062.81 | 350.00 | 1 | 23600 | 262 | 3 | 0.8936170212765957 | 6.50 | No | XXXX | Manual Underwriting | 5349 | 7.559 | No | No | XXXX | XXXX | No |
|  | 2115816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 753 | 753 | 773 | 732 | 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 | MN | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.43 | 28.7 | 20756.33 | .00 | .00 | .00 | 20756.33 | Employed |  |  |  | 1.6 |  |  |  | Yes | 14798.59 | 5957.74 | Taxes and Insurance | 308.23 | 1050986.66 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | XXXX | 2664.56 | 745.18 | 3409.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1477.18 | 2 | 48800 | 249 | 4 | 0.5614350180505415 | 0.92 | No | XXXX | Manual Underwriting | 10237.5 | 7.194 | No | No | XXXX | XXXX | No |
|  | 2115809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 772 | 772 | 776 | 756 | 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 | Refinance | Cash Out - Other | 8.57 | 10.44 | 19099.36 | .00 | .00 | .00 | 19099.36 | Employed |  |  |  | 22.87 |  |  |  | Yes | 17106.34 | 1993.02 | Taxes and Insurance | 10.48 | 17143.88 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | 1247.12 | 388.9 | 1636.02 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 111875.96 | 2608.36 | 1 | 61070 | 283 | 10 | 0.4285391140433553 | 19.25 | No | XXXX | Manual Underwriting | 6908.36 | 8.071 | Yes | No | XXXX | XXXX | No |
|  | 2109816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 696 | 703 | 690 | 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 | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 3.56 | 12.69 | 167893.92 | .00 | .00 | .00 | 167893.92 | Employed |  |  |  | 25.73 |  |  |  | 2 YRS | 146596.23 | 21297.69 | Taxes and Insurance | 41.36 | 246961.77 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 4782.44 | 1188.88 | 5971.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 195 | 2520.00 | 5 | 33458 | 347 | 11 | 0.0700987346903321 | 4.00 | No | XXXX | Manual Underwriting | 0 | 7.090 | No | No | XXXX | XXXX | No |
|  | 2115810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 773 | 797 | 771 | 773 | 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 | CO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 8.91 | 9.44 | 195813.00 | .00 | .00 | .00 | 195813.00 | Employed |  |  |  |  |  |  |  | NA | 177324.4 | 18488.6 | No Escrow | 690.81 | 12056081.1 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | XXXX | 14918.58 | 0 | 17452.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 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 | 0 | 1425.00 | 1 | 15000 | 253 | 1 | 0.20533333333333334 | 3.17 | No | XXXX | Manual Underwriting | 16425 | 7.400 | No | No | XXXX | XXXX | No |
|  | 2109843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 671 | 671 | 676 | 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 | MN | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 18.83 | 32.36 | 28185.00 | .00 | .00 | .00 | 28185.00 | Employed |  |  |  | 1.6 |  |  |  | 2 YRS | 19064.96 | 9120.04 | Taxes and Insurance | 4.14 | 21969.61 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | XXXX | 4496.3 | 810.79 | 5307.09 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 206643 | 14750.00 | 2 | 41752 | 179 | 31 | 0.6756056201550388 | 2.50 | No | XXXX | Manual Underwriting | 0 | 7.697 | Yes | No | XXXX | XXXX | No |
|  | 2115786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 720 | 708 | 720 | 732 | 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 | Primary Residence | Purchase | NA | 47.03 | 47.56 | 5609.40 | .00 | .00 | .00 | 5609.40 | Retired |  |  |  |  |  |  |  | Yes | 2941.38 | 2668.02 | Taxes and Insurance | 47.15 | 124375.86 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 1754 | 709.02 | 2638.02 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 4780.96 | 1 | 16000 | 378 | 9 | 0.6432551319648094 | 5.25 | No | XXXX | Manual Underwriting | 9453.46 | 7.167 | No | No | XXXX | XXXX | No |
|  | 2109836 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 714 | 735 | 686 | 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 | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.95 | 38.4 | 11216.75 | .00 | .00 | .00 | 11216.75 | Employed |  |  |  | 4.64 |  |  |  | Yes | 6909.23 | 4307.52 | Taxes and Insurance | 7.92 | 23931.67 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | 2659.19 | 364.13 | 3023.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 2389.55 | 1 | 22612 | 55 | 5 | 0.18956989247311828 | 1 | No | XXXX | Manual Underwriting | 10225 | 8.301 | Yes | No | XXXX | XXXX | No |
|  | 2115774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 671 | 671 | 655 | 689 | 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 | IL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.33 | 41.76 | 27196.00 | .00 | .00 | .00 | 27196.00 | Employed |  |  |  | 11.49 |  |  |  | NA | 15840.22 | 11355.78 | Taxes and Insurance | 15.11 | 62984.94 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | XXXX | 3152.21 | 1016.07 | 4168.28 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | 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 | 0 | 7530.80 | 2 | 47112 | 324 | 14 | 0.5178150227567191 | 10 | No | XXXX | Manual Underwriting | 19630.8 | 8.023 | Yes | No | XXXX | XXXX | No |
|  | 2115831 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 764 | 784 | 764 | 761 | 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 | Refinance | Cash Out - Other | 14.15 | 41.7 | 13161.32 | .00 | .00 | .00 | 13161.32 | Employed |  |  |  | 4.12 |  |  |  | 3 YRS | 7672.72 | 5488.6 | Taxes and Insurance | 198.95 | 370385.71 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | XXXX | 1374.39 | 487.36 | 1861.75 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | C | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 40926.92 | 350.00 | 1 | 45628 | 237 | 25 | 0.052658821626430506 | 2.33 | No | XXXX | Manual Underwriting | 1150 | 7.259 | No | No | XXXX | XXXX | No |
|  | 2109800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 780 | 799 | 770 | 780 | 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 | IL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 4.66 | 6.85 | 45122.00 | .00 | .00 | .00 | 45122.00 | Employed |  |  |  | 17.97 |  |  |  | 2 YRS | 42032.02 | 3089.98 | Taxes and Insurance | 92.54 | 194704.29 | XXXX | XXXX | 30.3 | 30.3 | 30.3 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | XXXX | 1036.01 | 1067.97 | 2103.98 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | 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 | 140495.89 | 1906.00 | 1 | 21500 | 374 | 8 | 0.1265238095238095 | 20 | No | XXXX | Manual Underwriting | 1906 | 7.541 | No | No | XXXX | XXXX | No |
|  | 2115826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 759 | 766 | 756 | 759 | 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 | 32.58 | 49.74 | 7410.60 | .00 | .00 | .00 | 7410.60 | Employed |  |  |  | 5.6 |  |  |  | 2 YRS | 3724.35 | 3686.25 | Taxes and Insurance | 17.46 | 42154.58 | XXXX | XXXX | 84.98 | 84.98 | 84.98 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | XXXX | 1743.26 | 670.99 | 2414.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425.00 | 1 | 70691 | 137 | 16 | 0.05753648569760654 | 0.33 | No | XXXX | Manual Underwriting | 6902 | 7.705 | No | No | XXXX | XXXX | No |
|  | 2109823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 721 | 739 | 704 | 721 | 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 | WA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 33.19 | 39.39 | 8030.85 | .00 | .00 | .00 | 8030.85 | Employed |  |  |  | 2.55 |  |  |  | 2 YRS | 4867.14 | 3163.71 | Taxes and Insurance | 10.1 | 26925.31 | XXXX | XXXX | 84.41 | 84.41 | 84.41 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | XXXX | 2261.96 | 403.75 | 2665.71 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 967.72 | 350.00 | 2 | 23019 | 54 | 2 | 0.4004 | 13.50 | No | XXXX | Manual Underwriting | 0 | 7.638 | No | No | XXXX | XXXX | No |
|  | 2115791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 781 | 801 | 781 | 774 | 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 | Second Home | Purchase | NA | 6.07 | 20.06 | 25103.10 | .00 | .00 | .00 | 25103.10 | Employed |  |  |  | 1.88 |  |  |  | 2 YRS | 20067.55 | 5035.55 | Taxes and Insurance | 110.83 | 373906 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 2188.89 | 552.83 | 3373.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1425.00 | 1 | 2357 | 256 | 4 | 0 | 15.33 | No | XXXX | Manual Underwriting | 0 | 6.984 | No | No | XXXX | XXXX | No |
|  | 2115805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 668 | 685 | 668 | 658 | 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 | IL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 7.23 | 13.33 | 37361.11 | .00 | .00 | .00 | 37361.11 | Employed |  |  |  | 3 |  |  |  | Yes | 32382.56 | 4978.55 | Taxes and Insurance | 13.7 | 37022.9 | XXXX | XXXX | 42.03 | 42.03 | 42.03 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 1629.18 | 1072.37 | 2701.55 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 1851.79 | 3841.08 | 1 | 76304 | 85 | 6 | 0.2212216404886562 | 2 | No | XXXX | Manual Underwriting | 1495 | 7.060 | No | No | XXXX | XXXX | No |
|  | 2115825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 706 | 678 | 706 | 706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 687 | 673 | 762 | 687 | 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 | 35.46 | 41.92 | 16397.00 | .00 | .00 | .00 | 16397.00 | Employed | Employed |  |  |  | 17.22 |  |  | 3 YRS | 9523.13 | 6873.87 | Taxes and Insurance | 57.53 | 334496.83 | XXXX | XXXX | 55.36 | 55.36 | 55.36 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7 | XXXX | 4124.87 | 1404 | 5813.87 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 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 | 0 | 1170.00 | 1 | 40900 | 357 | 6 | 0.03683400061595319 | 0.33 | No | XXXX | Manual Underwriting | 0 | 7.090 | No | No | XXXX | XXXX | No |
|  | 2115795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 716 | 707 | 716 | 726 | 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 | 10.35 | 18.91 | 28415.29 | .00 | .00 | .00 | 28415.29 | Employed |  |  |  | 3.41 |  |  |  | NA | 23041.67 | 5373.62 | Taxes and Insurance | 30.31 | 89112.14 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | XXXX | 2382.27 | 557.35 | 2939.62 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 2796.97 | 2 | 38181 | 308 | 7 | 0.06641808436261944 | 24.42 | No | XXXX | Manual Underwriting | 0 | 7.283 | No | No | XXXX | XXXX | No |
|  | 2115781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 700 | 700 | 750 | 688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 712 | 712 | 719 | 705 | 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 | 28.26 | 52.75 | 25478.70 | .00 | .00 | .00 | 25478.70 | Employed | Not Employed |  |  | 1.58 |  |  |  | 2 YRS | 12037.49 | 13441.21 | Taxes and Insurance | 2.98 | 17090.15 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7 | XXXX | 5948.09 | 1252.46 | 5727.79 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | 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 | 0 | 1170.00 | 1 | 255372 | 246 | 9 | 0.4966611842105263 | 8.50 | No | XXXX | Manual Underwriting | 0 | 7.049 | No | No | XXXX | XXXX | No |
|  | 2115792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 740 | 740 | 745 | 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 | LA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 4.51 | 11.61 | 70416.72 | .00 | .00 | .00 | 70416.72 | Employed |  |  |  | 2.62 |  |  |  | Yes | 62243.66 | 8173.06 | Taxes and Insurance | 45.91 | 145730.99 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 2656.46 | 480.85 | 3173.98 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1387.18 | 1 | 98554 | 163 | 10 | 0.30224842767295595 | 0.33 | No | XXXX | Manual Underwriting | 11834.98 | 7.565 | No | No | XXXX | XXXX | No |
|  | 2115815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 680 | 680 | 671 | 693 | 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 | Primary Residence | Refinance | Cash Out - Other | 22.46 | 31.15 | 14262.00 | .00 | .00 | .00 | 14262.00 | Employed |  |  |  | 6.81 |  |  |  | Yes | 9819.87 | 4442.13 | Taxes and Insurance | 15.46 | 39905.94 | XXXX | XXXX | 66.35 | 66.35 | 66.35 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 2779.3 | 416.15 | 2580.73 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | 2000 One Unit Appraisal Field Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | B | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 123244.41 | .00 | 1 | 37455.15 | 233 | 11 | 0.6588635346756152 | 2 | No | XXXX | Manual Underwriting | 9487.5 | 7.796 | Yes | No | XXXX | XXXX | No |
|  | 2115824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 776 | 776 | 763 | 778 | 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 | OK | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.1 | 38.66 | 41454.09 | .00 | .00 | .00 | 41454.09 | Employed |  |  |  | 34.85 |  |  |  | Yes | 25427.58 | 16026.51 | Taxes and Insurance | 11.44 | 52654.32 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 3146.47 | 1355.08 | 4601.55 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | 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 | 0 | 10710.00 | 3 | 75917 | 157 | 15 | 0.17827395163062837 | 9 | No | XXXX | Manual Underwriting | 0 | 7.526 | No | No | XXXX | XXXX | No |
|  | 2115776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 698 | 711 | 698 | 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 | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.11 | 44.64 | 4980.53 | .00 | .00 | .00 | 4980.53 | Employed |  |  |  | 10.17 |  |  |  | 2 YRS | 2757.09 | 2223.44 | Taxes and Insurance | 3.58 | 5721.54 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | 833.83 | 124.61 | 1599.44 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 893.95 | 1 | 31362 | 310 | 9 | 0.028133333333333333 | 5 | No | XXXX | Manual Underwriting | 3512.5 | 8.326 | Yes | No | XXXX | XXXX | No |
|  | 2115794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 730 | 714 | 743 | 730 | 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 | MI | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 27.14 | 27.74 | 4129.91 | .00 | .00 | .00 | 4129.91 | Employed |  |  |  | 8.87 |  |  |  | NA | 2984.2 | 1145.71 | Taxes and Insurance | 84.21 | 94372.56 | XXXX | XXXX | 64.97 | 64.97 | 64.97 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | XXXX | 823.87 | 296.84 | 1120.71 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 107268.07 | 1413.75 | 1 | 2584 | 52 | 5 | 0.32181818181818184 | 0.58 | No | XXXX | Manual Underwriting | 0 | 7.980 | Yes | No | XXXX | XXXX | No |
|  | 2115802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 809 | 809 | 793 | 811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 811 | 809 | 818 | 811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | LA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 20.52 | 32.99 | 14425.43 | .00 | .00 | .00 | 14425.43 | Employed | Employed |  |  | 8.96 | 8.96 |  |  | NA | 9666.37 | 4759.06 | Taxes and Insurance | 13.26 | 123557.25 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 2416.97 | 542.8 | 2959.77 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 350.00 | 1 | 17295 | 195 | 11 | 0.005703703703703704 | 3.67 | No | XXXX | Manual Underwriting | 0 | 7.179 | No | No | XXXX | XXXX | No |
|  | 2115827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 696 | 750 | 696 | 670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 722 | 722 | 696 | 731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 47.44 | 47.44 | 10273.64 | 5901.23 | .00 | .00 | 16174.87 | Employed | Not Employed |  |  | 5.83 |  |  |  | 2 YRS | 8502.09 | 7672.78 | Taxes and Insurance | 3.26 | 25020.43 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | XXXX | 6419.05 | 1247.06 | 7672.78 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | 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 | 168073.75 | 1425.00 | 1 | 20500 | 505 | 19 | 0.46777273305893835 | 2 | No | XXXX | Manual Underwriting | 22705 | 7.827 | Yes | No | XXXX | XXXX | No |
|  | 2115806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 664 | 661 | 674 | 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 | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 2.07 | 3.83 | 149828.55 | .00 | .00 | .00 | 149828.55 | Employed |  |  |  | 13.22 |  |  |  | 2 YRS | 144088.45 | 5740.1 | Taxes and Insurance | 45.25 | 140324.03 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | 2324.89 | 776.42 | 3101.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 1075.00 | 1 | 19307 | 111 | 11 | 0.4958823529411765 | 9 | No | XXXX | Manual Underwriting | 0 | 7.842 | Yes | No | XXXX | XXXX | No |
|  | 2115800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 771 | 758 | 771 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 794 | 794 | 829 | 774 | 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 | 7.06 | 7.7 | .00 | 152580.38 | .00 | .00 | 152580.38 | Employed | Employed |  |  | 16.63 | 16.63 |  |  | NA | 140832.01 | 11748.37 | No Escrow | 8.87 | 95599.37 | XXXX | XXXX | 40.54 | 40.54 | 40.54 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.5 | 6.5 | XXXX | 9481.02 | 0 | 10779.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 736780.42 | 1620.00 | 1 | 159200 | 427 | 17 | 0.02346138211382114 | 6.00 | No | XXXX | Manual Underwriting | 0 | 6.556 | No | No | XXXX | XXXX | No |
|  | 2115790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 764 | 771 | 764 | 740 | 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 | 11.08 | 17.74 | 51267.13 | .00 | .00 | .00 | 51267.13 | Employed |  |  |  | 3.1 |  |  |  | 2 YRS | 42174.12 | 9093.01 | Taxes and Insurance | 18.38 | 183985.11 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | 4572.22 | 903.79 | 5681.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | Yes |  | 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 | 0 | 1425.00 | 2 | 66767 | 183 | 3 | 0.008210180623973728 | 4.58 | No | XXXX | Manual Underwriting | 16041 | 7.162 | No | No | XXXX | XXXX | No |
|  | 2115787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 773 | 773 | 763 | 782 | 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 | AL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 5 | 6.92 | 48011.00 | .00 | .00 | .00 | 48011.00 | Employed |  |  |  | 4.85 |  |  |  | 2 YRS | 44686.94 | 3324.06 | Taxes and Insurance | 69.38 | 166636.8 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7 | XXXX | 2070.42 | 331.5 | 2401.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | 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 | 0 | 3331.30 | 1 | 48000 | 117 | 7 | 0.288123476848091 | 1.00 | No | XXXX | Manual Underwriting | 0 | 7.174 | No | No | XXXX | XXXX | No |
|  | 2119376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 739 | 714 | 743 | 739 | 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 | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 7.8 | 33331.95 | XXXX | XXXX | 79.01 | 79.01 | 79.01 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | XXXX | 3205 | 1068.31 | 4273.31 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | No | 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 | 0 | 17130.00 | 2 | 27500 | 303 | 7 | 0.2467202141900937 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2117013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 743 | 743 | 713 | 767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 800 | 803 | 800 | 765 | 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 | 41.77 | 49.24 | 4795.00 | 10226.00 | .00 | .00 | 15021.00 | Employed | Employed |  |  | 2.25 |  |  |  | 2 YRS | 7625.21 | 7395.79 | Taxes and Insurance | 68.71 | 431134.54 | XXXX | XXXX | 63.36 | 63.36 | 63.36 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.5 | 6.5 | XXXX | 4645.7 | 1339.09 | 6274.79 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 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 | 0 | 14287.50 | 1 | 30722 | 289 | 23 | 0.025690598682701446 | 7 | No | XXXX | Manual Underwriting | 14287.5 | 6.775 | No | No | XXXX | XXXX | No |
|  | 2119377 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 798 | 795 | 798 | 802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 775 | 775 | 773 | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3763 | Taxes and Insurance | 13.86 | 9518.52 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | XXXX | 638.52 | 292.17 | 930.68 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 7736.00 | 2 | 31465 | 115 | 3 | 0.018817567567567566 | 1.33 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |

---

## Exhibit 99.13

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.13 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **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** | **Default Interest Rate** | **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** | **Borrower Months of Paystubs Verified** | **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** | **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** |
| 2111903 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/20/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.757% |  | 7.500% | 7.500% | $4845.56 | No |  | $9624.96 | $802.08 | $3356.04 | $279.67 | $0.00 | $0.00 | $0.00 | $5927.31 | $23159.84 | N/A | XXXX |  | $0.00 |  |  | 25.85% | 25.95% | 25.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 251651.00 | 42.5 | 251651.00 | 42.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2093400 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 07/25/2025 | 6.790% | Manual Underwriting | Manual Underwriting | No | 9.279% |  | 9.125% | 9.125% | $3195.99 | No |  | $12097.80 | $1008.15 | $2136.36 | $178.03 | $0.00 | $0.00 | $0.00 | $4382.17 | $18601.94 | N/A | XXXX |  | $0.00 |  |  | 40.59% | 40.49% | 40.49% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 622 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | United States of America (USA) | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 74267.98 | 17 | 74267.98 | 17 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116764 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.000% | 9.000% | $2506.40 | No |  | $5752.08 | $479.34 | $1266.12 | $105.51 | $0.00 | $0.00 | $0.00 | $3091.25 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 83883.27 | 27.1 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116745 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/09/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.186% |  | 7.875% | 7.875% | $2609.60 | No |  | $4617.36 | $384.78 | $3570.00 | $297.50 | $0.00 | $0.00 | $0.00 | $3291.88 | $12886.43 | N/A | XXXX |  | $0.00 |  |  | 35.71% | 35.71% | 35.71% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 9 | No | Yes | 0 | 0 | 66.31% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 106 | 33 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | 05/01/2019 | 09/01/2019 | 1 | 72 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 90116.39 | 27.4 | 90116.39 | 27.4 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116766 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13627.88 | 09/29/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.765% |  | 7.500% | 7.500% | $4648.38 | No |  | $9866.52 | $822.21 | $2451.12 | $204.26 | $450.00 | $37.50 | $0.00 | $5712.35 | $49907.65 | N/A | XXXX | KY | $37.50 | 12/01/2025 | Annually | 20.90% | 20.90% | 20.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | KY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 103060.88 | 18 | 103060.88 | 18 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2092648 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/22/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.580% |  | 7.500% | 7.500% | $10341.38 | No |  | $30741.12 | $2561.76 | $5282.04 | $440.17 | $0.00 | $0.00 | $0.00 | $13343.31 | $95380.69 | N/A | XXXX |  | $0.00 |  |  | 31.87% | 31.87% | 31.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 155197.04 | 11.6 | 155197.04 | 11.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116757 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/12/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 8.471% |  | 8.375% | 8.375% | $4256.40 | No |  | $5858.04 | $488.17 | $6552.36 | $546.03 | $0.00 | $0.00 | $0.00 | $5290.60 | $10458.41 | N/A | XXXX |  | $0.00 |  |  | 46.74% | 46.87% | 46.87% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 12 | 75.60% | 100.00% | 100.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 106194.92 | 20.1 | 106194.92 | 20.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116758 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/19/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 8.066% |  | 7.875% | 7.875% | $1495.46 | No |  | $3547.56 | $295.63 | $561.96 | $46.83 | $3720.00 | $310.00 | $0.00 | $2147.92 | $4783.05 | Yes | XXXX | CT | $310.00 | 12/01/2025 | Monthly | 72.16% | 49.47% | 49.47% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 84 | No | Yes | Yes | 12 | 12 | Yes | Yes | 12 | 12 | 61.91% | 50.00% | 50.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Asset Depletion, Asset Depletion, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 233639.30 | 108.8 | 431691.07 | 201 | No | 75 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116779 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/08/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.052% |  | 7.750% | 7.750% | $2800.56 | No |  | $1828.32 | $152.36 | $2972.04 | $247.67 | $0.00 | $0.00 | $0.00 | $3200.59 | $28138.41 | N/A | XXXX |  | $0.00 |  |  | 23.63% | 23.63% | 23.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28365.55 | 8.9 | 28365.55 | 8.9 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116778 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1811.39 | No |  | $1844.64 | $153.72 | $1277.04 | $106.42 | $0.00 | $0.00 | $0.00 | $2071.53 | $9092.47 | N/A | XXXX |  | $0.00 |  |  | 44.42% | 28.03% | 28.03% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX |  | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 134897.28 | 65.1 | 134897.28 | 65.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116754 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1139.23 | No |  | $6250.20 | $520.85 | $1232.04 | $102.67 | $324.96 | $27.08 | $0.00 | $1789.83 |  | N/A | XXXX | IN | $27.08 | 12/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.229 | 1.23 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 86263.23 | 48.2 | 244590.35 | 136.7 | No | 50 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116768 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1101.26 | No |  | $1571.64 | $130.97 | $777.60 | $64.80 | $0.00 | $0.00 | $0.00 | $1297.03 | $9102.73 | N/A | XXXX |  | $0.00 |  |  | 49.87% | 41.53% | 41.53% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 42765.54 | 33 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |
| 2116769 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1127.48 | No |  | $1498.68 | $124.89 | $537.72 | $44.81 | $0.00 | $0.00 | $0.00 | $1297.18 | $9101.15 | N/A | XXXX |  | $0.00 |  |  | 49.88% | 41.54% | 41.54% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 37795.69 | 29.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |
| 2116773 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/21/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.329% |  | 7.125% | 7.125% | $3577.45 | No |  | $1947.00 | $162.25 | $2439.96 | $203.33 | $999.96 | $83.33 | $0.00 | $4026.36 | $13388.17 | N/A | XXXX | AL | $83.33 | 12/01/2025 | Annually | 35.38% | 35.38% | 35.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 1 YR Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 33122.38 | 8.2 | 33122.38 | 8.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116776 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/22/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.204% |  | 7.125% | 7.125% | $2768.98 | No |  | $4378.68 | $364.89 | $4507.20 | $375.60 | $0.00 | $0.00 | $0.00 | $3509.47 | $9377.53 | N/A | XXXX |  | $0.00 |  |  | 27.23% | 27.23% | 27.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 68693.48 | 19.6 | No | 42.68 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116750 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/25/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.121% |  | 6.875% | 6.875% | $2908.88 | No |  | $11068.80 | $922.40 | $1626.96 | $135.58 | $0.00 | $0.00 | $0.00 | $3966.86 | $9751.71 | N/A | XXXX |  | $0.00 |  |  | 31.13% | 31.13% | 31.13% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 322904.81 | 81.4 | 222904.81 | 56.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116765 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1595 | 10/20/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.106% |  | 7.000% | 7.000% | $2767.66 | No |  | $3517.80 | $293.15 | $2508.72 | $209.06 | $0.00 | $0.00 | $0.00 | $3269.87 | $4770.90 | N/A | XXXX |  | $0.00 |  |  | 40.67% | 40.67% | 40.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | MA | United States of America (USA) | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42733.57 | 13.1 | 42733.57 | 13.1 | No | 59.43 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116752 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $1907.79 | No |  | $2049.96 | $170.83 | $1041.00 | $86.75 | $0.00 | $0.00 | $0.00 | $2165.37 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.016 | 1.02 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NC | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 141884.47 | 65.5 | No | 63.88 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116775 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/25/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.672% |  | 7.500% | 7.500% | $6083.17 | No |  | $6375.36 | $531.28 | $1089.96 | $90.83 | $576.00 | $48.00 | $0.00 | $6753.28 | $21376.15 | N/A | XXXX | NV | $48.00 | 12/01/2025 | Monthly | 38.00% | 38.22% | 38.22% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13203.60 | 2 | 69465.92 | 10.3 | No | 72.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116748 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $1008.93 | No |  | $1453.80 | $121.15 | $726.36 | $60.53 | $0.00 | $0.00 | $0.00 | $1190.61 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.134 | 1.13 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NC | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9000.00 | 7.6 | 9000.00 | 7.6 | No | 68.07 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116747 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/21/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.915% |  | 7.875% | 7.875% | $4718.84 | No |  | $11025.96 | $918.83 | $1776.48 | $148.04 | $200.04 | $16.67 | $0.00 | $5802.38 | $19378.62 | N/A | XXXX | NH | $16.67 | 12/01/2025 | Annually | 40.15% | 40.14% | 40.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 140661.73 | 24.2 | 140661.73 | 24.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116756 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/27/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.154% |  | 7.000% | 7.000% | $6120.78 | No |  | $34892.04 | $2907.67 | $4553.76 | $379.48 | $3120.00 | $260.00 | $0.00 | $9667.93 | $13725.30 | N/A | XXXX | FL | $260.00 | 12/01/2025 | Monthly | 53.06% | 53.14% | 53.14% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, Other, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, null IRS Transcripts Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified, null IRS Transcripts Verified - ["2025"] - 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 772927.86 | 80 | 772927.86 | 80 | No | 53.47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116767 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/16/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 9.342% |  | 9.250% | 9.250% | $4072.24 | No |  | $3942.48 | $328.54 | $2261.04 | $188.42 | $8400.00 | $700.00 | $0.00 | $5289.20 | $11241.00 | Yes | XXXX | AL | $700.00 | 12/01/2025 | Monthly | 46.96% | 46.96% | 46.96% | Yes | Yes |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Other, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OK | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OK | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 109710.24 | 20.7 | 109710.24 | 20.7 | No | 90 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116763 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/26/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.055% |  | 7.875% | 7.875% | $3262.81 | No |  | $5337.00 | $444.75 | $1401.96 | $116.83 | $0.00 | $0.00 | $0.00 | $3824.39 | $6718.88 | N/A | XXXX |  | $0.00 |  |  | 42.30% | 42.30% | 42.30% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 57.06% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS W2 Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | RI | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | RI | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32438.01 | 8.5 | 32438.01 | 8.5 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116781 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1595 | 07/14/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.453% |  | 7.375% | 7.375% | $2389.74 | No |  | $15708.00 | $1309.00 | $2538.96 | $211.58 | $4056.00 | $338.00 | $0.00 | $4248.32 | $8652.26 | N/A | XXXX | NJ | $338.00 | 12/01/2025 | Monthly | 42.49% | 42.49% | 42.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 328467.54 | 77.3 | 328467.54 | 77.3 | No | 57.81 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116770 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1286.55 | No |  | $1569.12 | $130.76 | $1848.84 | $154.07 | $0.00 | $0.00 | $0.00 | $1571.38 | $104360.87 | N/A | XXXX |  | $0.00 |  |  | 11.50% | 10.14% | 10.14% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54917.49 | 35 | 54917.49 | 35 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |
| 2116771 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1595 | 10/08/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.439% |  | 7.375% | 7.375% | $2584.85 | No |  | $4905.48 | $408.79 | $1871.04 | $155.92 | $180.00 | $15.00 | $0.00 | $3164.56 | $19949.32 | N/A | XXXX | IN | $15.00 | 12/01/2025 | Annually | 240.94% | 30.46% | 30.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 87.36% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 235561.75 | 74.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116755 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/07/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.088% |  | 7.875% | 7.875% | $2148.02 | No |  | $1578.72 | $131.56 | $822.00 | $68.50 | $5088.00 | $424.00 | $0.00 | $2772.08 | $5458.67 | Yes | XXXX | CO | $424.00 | 12/01/2025 | Monthly | 44.57% | 44.57% | 44.57% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2024"] - 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2024"] - 2024 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 85213.93 | 30.7 | 85213.93 | 30.7 | No | 75 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116762 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1386.15 | No |  | $2793.96 | $232.83 | $606.96 | $50.58 | $5364.00 | $447.00 | $0.00 | $2116.56 | $2493.76 | Yes | XXXX | RI | $447.00 | 12/01/2025 | Monthly | 91.60% | 32.70% | 32.70% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | RI | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 68432.45 | 33.4 | 68432.45 | 33.4 | No | 75 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116760 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3742.3 | 09/30/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.450% |  | 7.250% | 7.250% | $1487.14 | No |  | $12487.20 | $1040.60 | $1089.00 | $90.75 | $18264.00 | $1522.00 | $0.00 | $4140.49 | $5080.51 | Yes | XXXX | IL | $1522.00 | 12/01/2025 | Monthly | 0.00% | 49.98% | 49.98% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Other - Award Letter Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 334885.50 | 80.9 | 546649.30 | 132 | No | 23.83 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116761 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/15/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 6.467% |  | 6.250% | 6.250% | $1431.54 | No |  | $6321.96 | $526.83 | $831.48 | $69.29 | $6660.00 | $555.00 | $0.00 | $2582.66 | $4508.25 | Yes | XXXX | FL | $555.00 | 12/01/2025 | Monthly | 45.55% | 45.55% | 45.55% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 43 | 27 | Work Number | Yes | 158 | 34 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Wage - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16567.80 | 6.4 | 16567.80 | 6.4 | No | 75 | No | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116744 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4750.82 | 10/15/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.543% |  | 7.375% | 7.375% | $2312.38 | No |  | $4812.96 | $401.08 | $630.36 | $52.53 | $140.04 | $11.67 | $0.00 | $2777.66 | $5792.34 | N/A | XXXX | IN | $11.67 | 12/01/2025 | Annually | 32.83% | 32.84% | 32.84% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 54.78% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 30699.21 | 11.1 | 30699.21 | 11.1 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116774 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $857.55 | No |  | $1004.40 | $83.70 | $905.64 | $75.47 | $0.00 | $0.00 | $0.00 | $1016.72 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.426 | 1.42 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KY | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32750.90 | 32.2 | 32750.90 | 32.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116782 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1156.29 | No |  | $1980.00 | $165.00 | $1464.00 | $122.00 | $0.00 | $0.00 | $0.00 | $1443.29 |  | N/A | XXXX |  | $0.00 |  |  | 1161164.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.143 | 1.143 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 158150.27 | 109.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116783 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1033.50 | No |  | $3111.24 | $259.27 | $1464.00 | $122.00 | $0.00 | $0.00 | $0.00 | $1414.77 |  | N/A | XXXX |  | $0.00 |  |  | 1248874.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.053 | 1.053 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 76462.52 | 54.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116784 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1458.38 | No |  | $3742.92 | $311.91 | $1698.00 | $141.50 | $0.00 | $0.00 | $0.00 | $1911.79 |  | N/A | XXXX |  | $0.00 |  |  | 1138414.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.046 | 1.046 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 79174.24 | 41.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116746 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4875.68 | 10/14/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.982% |  | 7.750% | 7.750% | $1676.40 | No |  | $1208.76 | $100.73 | $2905.08 | $242.09 | $0.00 | $0.00 | $2922.89 | $4942.11 | $71468.28 | N/A | XXXX |  | $0.00 |  |  | 17.93% | 17.90% | 17.90% | No | Yes | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 24 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A \|\| Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower \|\| Co Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | SC | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | SC | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 85284.11 | 17.3 | 85284.11 | 17.3 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2116751 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $3248.94 | No |  | $5952.36 | $496.03 | $2848.32 | $237.36 | $1056.00 | $88.00 | $0.00 | $4070.33 |  | N/A | XXXX | FL | $88.00 | 12/01/2025 | Annually | 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 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.219 | 1.219 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1176108.58 | 289 | 1176108.58 | 289 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX |  |  |  |
| 2116777 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1644.04 | No |  | $7805.28 | $650.44 | $1848.84 | $154.07 | $8640.00 | $720.00 | $0.00 | $3168.55 | $14255.01 | Yes | XXXX | FL | $720.00 | 12/01/2025 | Monthly | 43.51% | 27.35% | 27.35% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 38.79% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 329 | 34 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KS | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29189.42 | 9.2 | 29189.42 | 9.2 | No | 38.56 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX |  |  |  |
| 2116753 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1466.82 | No |  | $8105.52 | $675.46 | $1713.00 | $142.75 | $0.00 | $0.00 | $0.00 | $2285.03 | $6221.97 | N/A | XXXX |  | $0.00 |  |  | 61.58% | 39.28% | 39.28% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 69546.06 | 30.4 | 69546.06 | 30.4 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116759 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1122.18 | No |  | $832.80 | $69.40 | $1128.00 | $94.00 | $0.00 | $0.00 | $0.00 | $1285.58 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.128 | 1.13 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21954.81 | 17.1 | 21954.81 | 17.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |
| 2116780 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $3219.39 | No |  | $3287.52 | $273.96 | $1887.00 | $157.25 | $0.00 | $0.00 | $0.00 | $3650.60 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.274 | 1.274 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 156692.31 | 42.9 | 156692.31 | 42.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2116772 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1621.48 | No |  | $3599.64 | $299.97 | $2147.04 | $178.92 | $0.00 | $0.00 | $0.00 | $2100.37 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 35101.81 | 16.7 | No | 65.32 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |
| 2115817 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4305 | 10/27/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.810% |  | 7.500% | 7.500% | $1006.87 | No |  | $4529.04 | $377.42 | $549.96 | $45.83 | $0.00 | $0.00 | $0.00 | $1430.12 | $2508.00 | N/A | XXXX |  | $0.00 |  |  | 41.90% | 41.91% | 41.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6744.96 | 4.7 | 6744.96 | 4.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109834 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8635 | 10/27/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.952% |  | 7.750% | 7.750% | $2951.62 | No |  | $1776.36 | $148.03 | $1097.04 | $91.42 | $1380.00 | $115.00 | $0.00 | $3306.07 | $5345.31 | N/A | XXXX | AZ | $115.00 |  | Monthly | 44.25% | 44.25% | 44.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 1 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 9 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 120156.30 | 36.3 | 120156.30 | 36.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109826 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8674.31 | 11/03/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.104% |  | 6.875% | 6.875% | $1986.55 | No |  | $4340.04 | $361.67 | $2508.00 | $209.00 | $0.00 | $0.00 | $0.00 | $2557.22 | $4897.94 | N/A | XXXX |  | $0.00 |  |  | 42.02% | 42.03% | 42.03% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | Yes | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion, Retirement, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | IA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 64772.13 | 25.3 | 64772.13 | 25.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2104442 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 21506.25 | 10/24/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 8.012% |  | 7.750% | 7.750% | $8220.83 | No |  | $10944.24 | $912.02 | $4741.92 | $395.16 | $0.00 | $0.00 | $0.00 | $9528.01 | $243807.49 | N/A | XXXX |  | $0.00 |  |  | 7.98% | 7.98% | 7.98% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 117741.94 | 12.4 | 117741.94 | 12.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109833 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15185 | 11/04/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 6.831% |  | 6.750% | 6.750% | $4462.35 | No |  | $9084.36 | $757.03 | $1323.00 | $110.25 | $438.00 | $36.50 | $0.00 | $5366.13 | $25864.87 | N/A | XXXX | WA | $36.50 |  | Annually | 21.61% | 23.79% | 23.79% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 222874.19 | 41.5 | 222874.19 | 41.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2115771 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12569 | 10/24/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 8.590% |  | 8.000% | 8.000% | $1966.49 | No |  | $3594.84 | $299.57 | $1374.96 | $114.58 | $0.00 | $0.00 | $0.00 | $2380.64 | $3259.60 | N/A | XXXX |  | $0.00 |  |  | 48.51% | 48.51% | 48.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 81.49% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Child Support - Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 647 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3967.62 | 1.7 | 24660.29 | 10.4 | No | 74.44 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115822 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6873.65 | 10/23/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 8.060% |  | 7.875% | 7.875% | $3951.63 | No |  | $4196.04 | $349.67 | $3801.24 | $316.77 | $150.00 | $12.50 | $0.00 | $4630.57 | $14767.97 | N/A | XXXX | KY | $12.50 | 01/01/2026 | Annually | 49.50% | 49.59% | 49.59% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Proceeds from Sale,Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - [] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - [] | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 60507.27 | 13.1 | 60507.27 | 13.1 | No | 77.3 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 2109839 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12238.44 | 10/24/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.185% |  | 6.875% | 6.875% | $3363.48 | No |  | $8000.04 | $666.67 | $1500.00 | $125.00 | $0.00 | $0.00 | $0.00 | $4155.15 | $15276.06 | N/A | XXXX |  | $0.00 |  |  | 33.17% | 33.14% | 33.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 77.15% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability, SSI and Disability, Other REO Net Rental Income(Loss) - Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 99871.63 | 24 | 99871.63 | 24 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109846 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1545 | 10/30/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 6.985% |  | 6.875% | 6.875% | $5386.82 | No |  | $12812.52 | $1067.71 | $2403.12 | $200.26 | $0.00 | $0.00 | $0.00 | $6654.79 | $8954.79 | N/A | XXXX |  | $0.00 |  |  | 46.39% | 43.23% | 43.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 93.89% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 64684.91 | 9.7 | 64684.91 | 9.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109808 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5425 | 10/30/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.027% |  | 6.875% | 6.875% | $3810.19 | No |  | $9552.00 | $796.00 | $1206.00 | $100.50 | $1955.76 | $162.98 | $0.00 | $4869.67 | $24077.47 | N/A | XXXX | IL | $162.98 |  | Monthly | 42.66% | 42.66% | 42.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44706.41 | 9.2 | 44706.41 | 9.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109812 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/14/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.087% |  | 6.875% | 6.875% | $1591.41 | No |  | $7148.64 | $595.72 | $9432.48 | $786.04 | $900.00 | $75.00 | $0.00 | $3048.17 | $18983.47 | N/A | XXXX | FL | $75.00 |  | Monthly | 16.33% | 16.33% | 16.33% | Yes | Yes |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | Yes | Yes | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1258199.30 | 412.8 | 1258199.30 | 412.8 | No | 57 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2109845 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5025 | 10/28/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.177% |  | 7.000% | 7.000% | $1197.54 | No |  | $2374.56 | $197.88 | $1611.00 | $134.25 | $0.00 | $0.00 | $0.00 | $1529.67 | $8364.02 | N/A | XXXX |  | $0.00 |  |  | 19.43% | 19.43% | 19.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 51428.03 | 33.6 | 51428.03 | 33.6 | No | 31.03 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109822 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10300 | 10/29/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 6.988% |  | 6.875% | 6.875% | $2332.10 | No |  | $2186.04 | $182.17 | $1216.92 | $101.41 | $480.00 | $40.00 | $0.00 | $2655.68 | $11314.00 | N/A | XXXX | TN | $40.00 |  | Monthly | 19.39% | 19.39% | 19.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49002.24 | 18.5 | 49002.24 | 18.5 | No | 61.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109821 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9957.3 | 10/24/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.122% |  | 7.000% | 7.000% | $2838.28 | No |  | $2622.48 | $218.54 | $954.00 | $79.50 | $4092.00 | $341.00 | $0.00 | $3477.32 | $4604.68 | N/A | XXXX | IL | $341.00 |  | Monthly | 43.30% | 43.30% | 43.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 79.58% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SSI and Disability - Award Letter Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act Disclosure | IL | United States of America (USA) | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 76708.92 | 22.1 | 76708.92 | 22.1 | No | 79.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109830 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 2290 | 10/20/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 6.988% |  | 6.875% | 6.875% | $3284.64 | No |  | $13625.52 | $1135.46 | $4004.64 | $333.72 | $852.00 | $71.00 | $0.00 | $4824.82 | $18980.72 | N/A | XXXX | OR | $71.00 |  | Monthly | 30.52% | 30.52% | 30.52% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | Yes | No | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, SSI and Disability, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Retirement, SSI and Disability - Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 802969.50 | 166.4 | 802969.50 | 166.4 | No | 53.19 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 2109847 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/30/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.827% |  | 7.500% | 7.500% | $2615.06 | No |  | $9956.64 | $829.72 | $2970.48 | $247.54 | $0.00 | $0.00 | $0.00 | $3692.32 | $9570.68 | N/A | XXXX |  | $0.00 |  |  | 36.08% | 36.18% | 36.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 71466.77 | 19.4 | 71466.77 | 19.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109813 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 2925 | 10/25/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.379% |  | 7.250% | 7.250% | $2620.92 | No |  | $1899.96 | $158.33 | $1870.32 | $155.86 | $0.00 | $0.00 | $0.00 | $2935.11 | $8131.57 | N/A | XXXX |  | $0.00 |  |  | 31.88% | 31.88% | 31.88% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 1 YR 1099 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 80.81% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESCorp - 1 YR 1099 Verified, 2 YRS Executed 4506T Verified - ["2024"] - 2024 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024"] - 2024 | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | SC | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | SC | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 37508.83 | 12.8 | 37508.83 | 12.8 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2109807 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6851.88 | 10/28/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.942% |  | 7.750% | 7.750% | $3684.15 | No |  | $6393.00 | $532.75 | $1670.04 | $139.17 | $0.00 | $0.00 | $0.00 | $4356.07 | $12288.71 | N/A | XXXX |  | $0.00 |  |  | 34.89% | 34.89% | 34.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 76555.14 | 17.6 | 76555.14 | 17.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109815 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/15/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.085% |  | 7.000% | 7.000% | $1891.12 | No |  | $3689.52 | $307.46 | $534.00 | $44.50 | $1440.00 | $120.00 | $0.00 | $2363.08 | $5931.65 | N/A | XXXX | NV | $120.00 |  | Monthly | 34.08% | 33.97% | 33.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34727.79 | 14.7 | 34727.79 | 14.7 | No | 79.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109819 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/26/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.154% |  | 7.125% | 7.125% | $10719.03 | No |  | $17253.60 | $1437.80 | $2124.12 | $177.01 | $0.00 | $0.00 | $0.00 | $12333.84 | $16203.09 | N/A | XXXX |  | $0.00 |  |  | 0.00% | 44.29% | 44.29% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 60 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Other - 2 YRS Executed 4506T Verified, Separation Agreement Verified, Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 97027.05 | 7.9 | No | 38.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109820 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 14267.6 | 10/27/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 8.674% |  | 7.500% | 7.500% | $1132.73 | No |  | $3814.20 | $317.85 | $1617.24 | $134.77 | $150.00 | $12.50 | $0.00 | $1597.85 | $4374.91 | N/A | XXXX | GA | $12.50 |  | Annually | 49.05% | 48.99% | 48.99% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 654 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 218973.82 | 137 | 218973.82 | 137 | No | 45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109848 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | Client Affirms Non-QM Status | 8767.25 | 10/30/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 8.015% |  | 7.750% | 7.750% | $1611.93 | No |  | $2138.28 | $178.19 | $1539.96 | $128.33 | $0.00 | $0.00 | $0.00 | $1918.45 | $3995.66 | N/A | XXXX |  | $0.00 |  |  | 43.76% | 43.76% | 43.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 22924.30 | 12 | 22924.30 | 12 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115780 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6235 | 11/12/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.136% |  | 6.750% | 6.750% | $1388.00 | No |  | $2451.24 | $204.27 | $3982.56 | $331.88 | $0.00 | $0.00 | $0.00 | $1924.15 | $3292.30 | N/A | XXXX |  | $0.00 |  |  | 44.87% | 44.87% | 44.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 8054.30 | 4.2 | No | 41.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109805 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7275 | 10/23/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 8.380% |  | 7.875% | 7.875% | $1305.12 | No |  | $738.00 | $61.50 | $2250.96 | $187.58 | $0.00 | $0.00 | $0.00 | $1554.20 | $6236.80 | N/A | XXXX |  | $0.00 |  |  | 39.23% | 38.48% | 38.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 640 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | VA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 16355.77 | 10.5 | No | 40.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109804 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5349 | 11/04/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.559% |  | 7.375% | 7.375% | $2429.95 | No |  | $6730.32 | $560.86 | $5669.88 | $472.49 | $0.00 | $0.00 | $0.00 | $3463.30 | $4603.80 | N/A | XXXX |  | $0.00 |  |  | 42.93% | 42.93% | 42.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Utilization (DTI) | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 0 | NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Asset Depletion - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 106917.43 | 30.9 | 139285.02 | 40.2 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115816 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10237.5 | 10/31/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.194% |  | 7.125% | 7.125% | $2664.56 | No |  | $5619.12 | $468.26 | $3323.04 | $276.92 | $0.00 | $0.00 | $0.00 | $3409.74 | $14798.59 | N/A | XXXX |  | $0.00 |  |  | 24.51% | 28.70% | 28.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Utilization (DTI) | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 20 | 20 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Child Support, Asset Depletion - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1050986.66 | 308.2 | 1050986.66 | 308.2 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115809 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6908.36 | 11/10/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.071% |  | 7.875% | 7.875% | $1247.12 | No |  | $2755.08 | $229.59 | $1911.72 | $159.31 | $0.00 | $0.00 | $0.00 | $1636.02 | $17106.34 | N/A | XXXX |  | $0.00 |  |  | 10.44% | 10.44% | 10.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17143.88 | 10.5 | 17143.88 | 10.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109816 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/20/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.090% |  | 6.875% | 6.875% | $4782.44 | No |  | $12283.44 | $1023.62 | $1983.12 | $165.26 | $0.00 | $0.00 | $0.00 | $5971.32 | $146596.23 | N/A | XXXX |  | $0.00 |  |  | 12.69% | 12.69% | 12.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 246961.77 | 41.4 | 246961.77 | 41.4 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115810 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 16425 | 10/13/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.400% |  | 7.375% | 7.375% | $14918.58 | No |  | $16157.76 | $1346.48 | $12840.96 | $1070.08 | $1404.00 | $117.00 | $0.00 | $17452.14 | $177324.40 | N/A | XXXX | CO | $117.00 |  | Monthly | 9.44% | 9.44% | 9.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 60 | No | Yes | Yes | 2 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 12056081.10 | 690.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109843 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/31/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.697% |  | 7.375% | 7.375% | $4496.30 | No |  | $4488.00 | $374.00 | $5241.48 | $436.79 | $0.00 | $0.00 | $0.00 | $5307.09 | $19064.96 | N/A | XXXX |  | $0.00 |  |  | 32.36% | 32.36% | 32.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 21969.61 | 4.1 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115786 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9453.46 | 11/17/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.167% |  | 6.875% | 6.875% | $1754.00 | No |  | $7638.24 | $636.52 | $870.00 | $72.50 | $2100.00 | $175.00 | $0.00 | $2638.02 | $2941.38 | N/A | XXXX | NJ | $175.00 |  | Monthly | 47.56% | 47.56% | 47.56% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 60 | No | Yes | Yes | 3 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Retirement - Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 124375.86 | 47.2 | 124375.86 | 47.2 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109836 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10225 | 10/29/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 8.301% |  | 7.875% | 7.875% | $2659.19 | No |  | $970.56 | $80.88 | $3399.00 | $283.25 | $0.00 | $0.00 | $0.00 | $3023.32 | $6909.23 | N/A | XXXX |  | $0.00 |  |  | 38.29% | 38.40% | 38.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23931.67 | 7.9 | 23931.67 | 7.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115774 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 19630.8 | 11/13/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.023% |  | 7.750% | 7.750% | $3152.21 | No |  | $10290.84 | $857.57 | $1902.00 | $158.50 | $0.00 | $0.00 | $0.00 | $4168.28 | $15840.22 | N/A | XXXX |  | $0.00 |  |  | 41.76% | 41.76% | 41.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 62984.94 | 15.1 | 62984.94 | 15.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115831 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1150 | 10/30/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.259% |  | 7.125% | 7.125% | $1374.39 | No |  | $4626.36 | $385.53 | $1221.96 | $101.83 | $0.00 | $0.00 | $0.00 | $1861.75 | $7672.72 | N/A | XXXX |  | $0.00 |  |  | 41.70% | 41.70% | 41.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 51 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 330225.79 | 177.4 | 370385.71 | 199 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109800 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1906 | 10/28/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.541% |  | 7.375% | 7.375% | $1036.01 | No |  | $11202.60 | $933.55 | $1613.04 | $134.42 | $0.00 | $0.00 | $0.00 | $2103.98 | $42032.02 | N/A | XXXX |  | $0.00 |  |  | 6.85% | 6.85% | 6.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54208.40 | 25.8 | 194704.29 | 92.5 | No | 30.3 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115826 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6902 | 11/12/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.705% |  | 7.375% | 7.375% | $1743.26 | No |  | $3677.28 | $306.44 | $4374.60 | $364.55 | $0.00 | $0.00 | $0.00 | $2414.25 | $3724.35 | N/A | XXXX |  | $0.00 |  |  | 49.74% | 49.74% | 49.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42154.58 | 17.5 | 42154.58 | 17.5 | No | 84.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2109823 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/16/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.638% |  | 7.375% | 7.375% | $2261.96 | No |  | $3068.04 | $255.67 | $1776.96 | $148.08 | $0.00 | $0.00 | $0.00 | $2665.71 | $4867.14 | N/A | XXXX |  | $0.00 |  |  | 39.39% | 39.39% | 39.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure - Driver's License | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26925.31 | 10.1 | 26925.31 | 10.1 | No | 84.41 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115791 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 11/19/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 6.984% |  | 6.875% | 6.875% | $2188.89 | No |  | $5949.96 | $495.83 | $684.00 | $57.00 | $7584.00 | $632.00 | $0.00 | $3373.72 | $20067.55 | Yes | XXXX | CA | $632.00 |  | Monthly | 20.06% | 20.06% | 20.06% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 373906.00 | 110.8 | 373906.00 | 110.8 | No | 70 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115805 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1495 | 10/15/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.060% |  | 6.875% | 6.875% | $1629.18 | No |  | $10620.48 | $885.04 | $2247.96 | $187.33 | $0.00 | $0.00 | $0.00 | $2701.55 | $32382.56 | N/A | XXXX |  | $0.00 |  |  | 13.33% | 13.33% | 13.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 37022.90 | 13.7 | 37022.90 | 13.7 | No | 42.03 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115825 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/29/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.090% |  | 7.000% | 7.000% | $4124.87 | No |  | $14000.04 | $1166.67 | $2847.96 | $237.33 | $3420.00 | $285.00 | $0.00 | $5813.87 | $9523.13 | N/A | XXXX | CA | $285.00 |  | Monthly | 41.98% | 41.92% | 41.92% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - [] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - [] | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 334496.83 | 57.5 | 334496.83 | 57.5 | No | 55.36 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2115795 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 11/10/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.283% |  | 7.125% | 7.125% | $2382.27 | No |  | $5525.04 | $460.42 | $1163.16 | $96.93 | $0.00 | $0.00 | $0.00 | $2939.62 | $23041.67 | N/A | XXXX |  | $0.00 |  |  | 18.91% | 18.91% | 18.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 89112.14 | 30.3 | 89112.14 | 30.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115781 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 11/13/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.049% |  | 7.000% | 7.000% | $5948.09 | No |  | $11987.52 | $998.96 | $3042.00 | $253.50 | $0.00 | $0.00 | $0.00 | $7200.55 | $12037.49 | N/A | XXXX |  | $0.00 |  |  | 48.04% | 52.75% | 52.75% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - N/A | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17090.15 | 3 | 17090.15 | 3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2115792 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 11834.98 | 11/07/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.565% |  | 7.500% | 7.500% | $2656.46 | No |  | $3371.16 | $280.93 | $2399.04 | $199.92 | $440.04 | $36.67 | $0.00 | $3173.98 | $62243.66 | N/A | XXXX | LA | $36.67 |  | Annually | 11.61% | 11.61% | 11.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 75.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 145730.99 | 45.9 | 145730.99 | 45.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115815 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9487.5 | 11/14/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.796% |  | 7.500% | 7.500% | $2779.30 | No |  | $3417.84 | $284.82 | $1575.96 | $131.33 | $99.96 | $8.33 | $0.00 | $3203.78 | $9819.87 | N/A | XXXX | NJ | $8.33 |  | Annually | 31.15% | 31.15% | 31.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1839.89 | 0.7 | 39905.94 | 15.5 | No | 66.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115824 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/27/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 7.526% |  | 7.500% | 7.500% | $3146.47 | No |  | $8241.96 | $686.83 | $8019.00 | $668.25 | $1200.00 | $100.00 | $0.00 | $4601.55 | $25427.58 | N/A | XXXX | OK | $100.00 |  | Annually | 38.49% | 38.66% | 38.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OK | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 52654.32 | 11.4 | 52654.32 | 11.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115776 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3512.5 | 11/18/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 8.326% |  | 7.875% | 7.875% | $833.83 | No |  | $358.32 | $29.86 | $1137.00 | $94.75 | $7692.00 | $641.00 | $0.00 | $1599.44 | $2757.09 | Yes | XXXX | FL | $641.00 |  | Monthly | 44.64% | 44.64% | 44.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5721.54 | 3.6 | 5721.54 | 3.6 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115794 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 11/10/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.980% |  | 7.750% | 7.750% | $823.87 | No |  | $2538.48 | $211.54 | $1023.60 | $85.30 | $0.00 | $0.00 | $0.00 | $1120.71 | $2984.20 | N/A | XXXX |  | $0.00 |  |  | 27.74% | 27.74% | 27.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | MI | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 94372.56 | 84.2 | No | 64.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115802 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 11/13/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.179% |  | 6.875% | 6.875% | $2416.97 | No |  | $3352.92 | $279.41 | $3160.68 | $263.39 | $0.00 | $0.00 | $0.00 | $2959.77 | $9666.37 | N/A | XXXX |  | $0.00 |  |  | 33.37% | 32.99% | 32.99% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | LA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | LA | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 123557.25 | 41.7 | 39257.25 | 13.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2115827 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 22705 | 11/18/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 7.827% |  | 7.750% | 7.750% | $6419.05 | No |  | $13037.76 | $1086.48 | $1926.96 | $160.58 | $80.04 | $6.67 | $0.00 | $7672.78 | $8502.09 | N/A | XXXX | VA | $6.67 |  | Annually | 47.44% | 47.44% | 47.44% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 1 YR W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 60 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, Asset Depletion - 1 YR W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SSI and Disability, Asset Depletion - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | VA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25020.43 | 3.3 | 25020.43 | 3.3 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2115806 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 11/05/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.842% |  | 7.500% | 7.500% | $2324.89 | No |  | $6210.00 | $517.50 | $3107.04 | $258.92 | $0.00 | $0.00 | $0.00 | $3101.31 | $144088.45 | N/A | XXXX |  | $0.00 |  |  | 4.17% | 3.83% | 3.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 140324.03 | 45.3 | 140324.03 | 45.3 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115800 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 11/13/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 6.556% |  | 6.500% | 6.500% | $9481.02 | No |  | $7995.36 | $666.28 | $7589.04 | $632.42 | $0.00 | $0.00 | $0.00 | $10779.72 | $140832.01 | N/A | XXXX |  | $0.00 |  |  | 7.70% | 7.70% | 7.70% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 95599.37 | 8.9 | 95599.37 | 8.9 | No | 40.54 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2115790 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 16041 | 11/15/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.162% |  | 6.875% | 6.875% | $4572.22 | No |  | $9058.44 | $754.87 | $1787.04 | $148.92 | $2460.00 | $205.00 | $0.00 | $5681.01 | $42174.12 | N/A | XXXX | MD | $205.00 |  | Monthly | 17.74% | 17.74% | 17.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 30.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 183985.11 | 32.4 | 104423.10 | 18.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2115787 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 11/06/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.174% |  | 7.000% | 7.000% | $2070.42 | No |  | $1497.00 | $124.75 | $2481.00 | $206.75 | $0.00 | $0.00 | $0.00 | $2401.92 | $44686.94 | N/A | XXXX |  | $0.00 |  |  | 7.06% | 6.92% | 6.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | United States of America (USA) | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 166636.80 | 69.4 | 166636.80 | 69.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2119376 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $3205.00 | Yes | 23.990% | $9721.44 | $810.12 | $3098.28 | $258.19 | $0.00 | $0.00 | $0.00 | $4273.31 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.03 | 1.03 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 33331.95 | 7.8 | 33331.95 | 7.8 | No | 79.01 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |
| 2117013 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 14287.5 | 12/16/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 6.775% |  | 6.500% | 6.500% | $4645.70 | No |  | $14609.04 | $1217.42 | $1460.04 | $121.67 | $3480.00 | $290.00 | $0.00 | $6274.79 | $7625.21 | No | XXXX | CA | $290.00 | 02/01/2026 | Monthly | 49.23% | 49.24% | 49.24% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 1 YR W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 431134.54 | 68.7 | 431134.54 | 68.7 | No | 63.36 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| 2119377 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $638.52 | Yes | 23.990% | $2562.96 | $213.58 | $942.96 | $78.58 | $0.00 | $0.00 | $0.00 | $930.68 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.397 | 1.397 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | WA | United States of America (USA) | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9518.52 | 10.2 | 12894.93 | 13.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX |  |  |  |

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## Exhibit 99.13

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.13 - Schedule 6**

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| 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 |
| 2116764 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3100 | 3100 | Appraisal - 1007 |  | N/A |  |  | 3100 | Actual In Place Rent | No | 99.72 | 1 | 1.003 | 3091.25 | 3100 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36000 |  |  |  | 3100 |  |  |  |  |  |  | No | No | 4 | 2 | 1 | N/A | 27.14 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2116758 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 2150 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2150 | Actual In Place Rent | No | 99.9 |  | 0 | 2147.92 | 2150 | 08-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2420 |  | 220000 |  | 2150 |  |  |  |  |  |  | No | No | 3.2 | 2 | 1 | N/A | 200.98 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2116778 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 2071.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 65.12 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| 2116754 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Actual In Place Rent | No | 81.36 | 1.23 | 1.229 | 1789.83 | 2200 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 22.2 | 1 | 1 | N/A | 136.66 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2116768 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 1350 | Appraisal - 1007 |  | N/A |  |  | 1350 | Appraisal - 1007 | No | 96.08 |  | 0 | 1297.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 1350 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 32.97 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2116769 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 1235 | 1525 | Appraisal - 1007 |  | N/A |  |  | 1235 | Actual In Place Rent | No | 105.03 |  | 0 | 1297.18 | 1235 | 03-31-2023 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6000 |  |  |  | 1235 |  |  |  |  |  |  | No | No | 3.7 | 1 | 1 | N/A | 29.14 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2116752 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2200 | Appraisal - 1025 |  | N/A |  |  | 2200 | Actual In Place Rent | No | 98.43 | 1.02 | 1.016 | 2165.37 | 1100 | 11-01-2025 | 1 | 1100 | 11-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 14.5 | 2 | 1 | N/A | 65.52 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2116748 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1350 | 1375 | Appraisal - 1007 |  | N/A |  |  | 1350 | Actual In Place Rent | No | 88.19 | 1.13 | 1.134 | 1190.61 | 1350 | 12-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 1350 |  |  |  |  |  |  | No | No | 2.1 | 2 | 1 | N/A | 7.56 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2116770 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 98.21 |  | 0 | 1571.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24750 |  | 130000 |  | 1600 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 34.95 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2116762 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 105.83 |  | 0 | 2116.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13200 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 33.37 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Owner |
| 2116774 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1450 | 1450 | Appraisal - 1007 |  | N/A |  |  | 1450 | Actual In Place Rent | No | 70.12 | 1.42 | 1.426 | 1016.72 | 1450 | 04-01-2026 | 6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17400 |  | 72700 |  | 1450 |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 | N/A | 32.21 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2116782 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1650 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1650 | Actual In Place Rent | No | 87.47 | 1.143 | 1.143 | 1443.29 | 1650 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1650 |  |  |  |  |  |  | No | No | 0 | 3 | 1 | N/A | 109.58 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2116783 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1650 | 1490 | Appraisal - 1007 |  | N/A |  |  | 1490 | Appraisal - 1007 | No | 94.95 | 1.053 | 1.053 | 1414.77 | 1650 | 05-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1490 |  |  |  |  |  |  | No | No | 6.6 | 3 | 1 | N/A | 54.05 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2116784 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2000 | Actual In Place Rent | No | 95.59 | 1.046 | 1.046 | 1911.79 | 2000 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2000 |  |  |  |  |  |  | No | No | 3.8 | 3 | 1 | N/A | 41.41 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| 2116751 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | N/A | 4962.67 | Other | 12 |  | 4962.67 | Other | Yes | 82.02 | 1.219 | 1.219 | 4070.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34000 |  | 540000 |  | 4962.67 |  |  |  |  |  |  | No | No | 0 | 2 | 1 | N/A | 288.95 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2116777 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 3168.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30600 |  | 735000 |  | 0 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 9.21 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2116753 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2325 | Appraisal - 1025 |  | N/A |  |  | 2325 | Appraisal - 1025 | No | 98.28 |  | 0 | 2285.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48470 |  |  |  | 2325 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 30.44 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2116759 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1700 | 1450 | Appraisal - 1007 |  | N/A |  |  | 1450 | Appraisal - 1007 | No | 88.66 | 1.13 | 1.128 | 1285.58 | 1700 | 09-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53600 |  | 164000 | 0 | 1450 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 17.08 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2116780 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5035 | 4650 | Appraisal - 1007 |  | N/A |  |  | 4650 | Appraisal - 1007 | No | 78.51 | 1.274 | 1.274 | 3650.6 | 5035 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 111600 |  | 0 |  | 4650 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 42.92 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| 2116772 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2100 | 2150 | Appraisal - 1007 |  | N/A |  |  | 2100 | Actual In Place Rent | No | 100.02 | 1 | 1 | 2100.37 | 2100 | 10-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  | 118000 |  | 2100 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 16.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2119376 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4400 | Appraisal - 1025 |  | N/A |  |  | 4400 | Appraisal - 1025 | No | 97.12 | 1.03 | 1.03 | 4273.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  | 0 | 0 | 4400 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 7.8 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 2119377 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1300 | Appraisal - 1007 | No | 71.59 | 1.397 | 1.397 | 930.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17500 |  |  |  | 1300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 13.86 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |

---

## Exhibit 99.13

[EFMT DEPOSITOR LLC abs-15g](efmt-abs15g.htm)

**Exhibit 99.13 - Schedule 7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2111903 |  | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093400 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093400 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2093400 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116764 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116764 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116764 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2116745 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116745 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116757 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116757 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116757 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116758 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2116758 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116758 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116754 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116754 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116773 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116750 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116765 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116765 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116752 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116752 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116752 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116752 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116752 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116752 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116752 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116752 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116752 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116775 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116775 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116775 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116775 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116748 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116748 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116748 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116767 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116763 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116763 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116781 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116781 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116771 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2116771 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116755 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116762 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116760 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116760 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116760 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116760 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116761 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2116761 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116744 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116744 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2116782 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116782 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116782 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116783 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116783 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2116783 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116783 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116784 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116784 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116784 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2116751 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116777 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116777 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116777 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116777 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116777 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2116759 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116772 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2116772 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115817 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109834 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2109834 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109834 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109834 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109826 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109826 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109826 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109826 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109833 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2109833 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2109833 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109833 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109833 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109833 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115771 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2115771 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115822 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2115822 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115822 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115822 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109839 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109839 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109839 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109846 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109846 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109846 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109846 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109808 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2109808 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109808 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109808 |  |  | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2109812 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2109812 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2109812 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109812 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109812 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109845 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109822 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2109822 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109822 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109813 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2109813 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109807 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109815 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2109815 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109815 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109815 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109820 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109820 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2109820 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109820 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109820 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109820 |  |  | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2115780 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109805 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109805 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109805 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109804 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109804 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109804 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2109804 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109804 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115809 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2109816 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2115810 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2115810 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115810 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115810 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115786 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115786 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115786 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2109836 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115826 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115791 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2115791 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115791 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115825 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2115825 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2115825 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2115825 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115825 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115825 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115795 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115781 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2115781 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115781 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115815 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2115815 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2115815 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115815 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115815 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115824 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2115824 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2115824 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115824 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115824 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115776 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115776 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115794 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2115794 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115802 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115827 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2115827 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2115827 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115806 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2115800 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2115800 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
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