# EDGAR Filing Document

**Accession Number:** 0002021598
**File Stem:** 0001539497-26-000556
**Filing Date:** 2026-2
**Character Count:** 2596704
**Document Hash:** 5daa36654b165e5f3df2a49e9f203ec5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-26-000556.hdr.sgml**: 20260212

**ACCESSION NUMBER**: 0001539497-26-000556

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

**PUBLIC DOCUMENT COUNT**: 29

**CONFORMED PERIOD OF REPORT**: 20260212

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

**FILED AS OF DATE**: 20260212

**DATE AS OF CHANGE**: 20260212

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** O4B Park Capital Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002021598

**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:** 025-07099
- **FILM NUMBER:** 26627603

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE - 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-750-7300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE - 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** O4B Park Capital Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002021598

**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:** 245 PARK AVENUE - 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-750-7300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE - 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** O4B Park Capital Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002021598

**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:** 025-07099

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE - 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-750-7300

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE - 44TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

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

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

**<u>O4B PARK CAPITAL SECURITIZATION DEPOSITOR, LLC</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0002021598

<u> HOMES 2026-AFC1 Trust </u> <br> (Exact name of issuing entity as specified in its charter)

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

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

<u>Thomas Griffin, Associate General Counsel, (803) 528-8713</u> <br> Name and telephone number, including area code, of the person<br> to contact in connection with this filing.

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

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

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

**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.

---

| | | |
|:---|:---|:---|
|  | O4B PARK CAPITAL SECURITIZATION | O4B PARK CAPITAL SECURITIZATION |
|  | DEPOSITOR, LLC | DEPOSITOR, LLC |
|  | By: Ares Alternative Credit Management LLC,<br> its manager | By: Ares Alternative Credit Management LLC,<br> its manager |
|  | By: | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Thomas C. Griffin III |
|  |  | Name: Thomas C. Griffin III |
|  |  | Title: Authorized Signatory |
| Date: February 12, 2026 |  |  |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

99.1 – Clayton Narrative

99.2 – Clayton Loan Level Tape Compare Upload

99.3 – Clayton Valuations Summary

99.4 – Clayton ATR QM Upload

99.5 – Clayton Rating Agency ATR QM Data Fields

99.6 – Clayton Conditions Report

99.7 – Clayton Waived Conditions Summary

99.8 – Clarifii Executive Summary

99.9 – Clarifii Rating Agency Grades Detail Report

99.10 – Clarifii Rating Agency Grades Summary Report

99.11 – Clarifii Valuation Report

99.12 – Clarifii ATR OR QM Report

99.13 – Clarifii Data Compare Report

99.14 – Canopy Narrative

99.15 – Canopy Supplemental Data Extract

99.16 – Canopy Rating Agency Grades Detail Report

99.17 – Canopy Rating Agency Grades Summary Report

99.18 – Canopy Valuation Report

99.19 – Canopy ATR QM Report

99.20 – Canopy Data Compare Report

## Exhibit 99.1

**Exhibit 99.1**

![](n5675clayton_img001.jpg)

---

| |
|:---|
| **February 10, 2026** |
| **Due Diligence Narrative Report** |

---

![](n5675clayton_img002.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** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

 ****

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 1 February 10, 2026

![](n5675clayton_img002.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](n5675clayton_img003.jpg) | **Michael Santarsiere** | Client Services Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](n5675clayton_img003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of O4B Park Capital Securitization, LLC, Clayton conducted an independent third-party pre-securitization due diligence review of 225 residential loans. O4B Park Capital Securitization, LLC subsequently selected these loans for the HOMES 2026-AFC1 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from May of 2023 to January of 2026. 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;207 | &nbsp;&nbsp;92.00% |
| &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;14 | &nbsp;&nbsp;6.22% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**225** | &nbsp;&nbsp;**100.00%** |

---

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 2 February 10, 2026

![](n5675clayton_img002.jpg)

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;Review scope | &nbsp;&nbsp;# of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;225 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;225 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;225 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;225 |

---

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.

![](n5675clayton_img004.jpg)

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 3 February 10, 2026

![](n5675clayton_img002.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 225 loans on this transaction included the following elements (for more detail, please refer to Appendix A):

&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 (225 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 Appendix B and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value Supported Analysis (225 loans)

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

● CU Score

● Desk Review

● 1004

For further detail please refer to the HOMES 2026-AFC1 Valuations Summary Report.

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 4 February 10, 2026

![](n5675clayton_img002.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 225 loans on this transaction included the elements summarized below. (For more detail, please refer to Appendix C.)

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 Appendix C 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 Appendix C 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

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 5 February 10, 2026

![](n5675clayton_img002.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 O4B Park Capital Securitization, 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

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

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 6 February 10, 2026

![](n5675clayton_img002.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 225 reviewed loans, by completing the following steps:

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

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

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

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

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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data tape. The file format was provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**data Compare Results**

Clayton provided O4B Park Capital Securitization, 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 225 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Assumable ID | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.11% |
| &nbsp;&nbsp;ATR/QM Status | &nbsp;&nbsp;5 | &nbsp;&nbsp;97.78% |
| &nbsp;&nbsp;Borrower 1 First Time Home Buyer | &nbsp;&nbsp;6 | &nbsp;&nbsp;97.33% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Borrower 2 First Time Home Buyer | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;County Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;96.44% |
| &nbsp;&nbsp;Ever in Foreclosure | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.11% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Prepay Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;95.56% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;17 | &nbsp;&nbsp;92.44% |

---

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 7 February 10, 2026

![](n5675clayton_img002.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 (S&P)</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** | 174 | 5 | 17 | 28 | **224** |
| **Final** | **B** |  |  |  | 1 | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **174** | **5** | **17** | **29** | **225** |

---

**<u>Initial and Final Overall Loan Grade Results (Fitch)</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** | 174 | 5 | 17 | 28 | **224** |
| **Final** | **B** |  |  |  | 1 | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **174** | **5** | **17** | **29** | **225** |

---

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 (S&P)</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** | 177 | 5 | 17 | 26 | **225** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **177** | **5** | **17** | **26** | **225** |

---

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 8 February 10, 2026

![](n5675clayton_img002.jpg)

**<u>Initial and Final Credit Component Grade Results (Fitch)</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** | 177 | 5 | 17 | 26 | **225** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **177** | **5** | **17** | **26** | **225** |

---

**<u>Initial and Final Property Valuation Grade Results (S&P</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** | 221 |  |  | 3 | **224** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **221** | **0** | **1** | **3** | **225** |

---

**<u>Initial and Final Property Valuation Grade Results (Fitch</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** | 221 |  |  | 3 | **224** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **221** | **0** | **1** | **3** | **225** |

---

**<u>Initial and Final Regulatory Compliance Grade Results (S&P)</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** | 224 |  | 1 |  | **225** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **224** | **0** | **1** | **0** | **225** |

---

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 9 February 10, 2026

![](n5675clayton_img002.jpg)

**<u>Initial and Final Regulatory Compliance Grade Results (Fitch)</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** | 224 |  | 1 |  | **225** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **224** | **0** | **1** | **0** | **225** |

---

**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

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 10 February 10, 2026

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

– Citizenship status

– Non- occupant co-borrower

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

– Maximum loan amount

– Loan purpose

– Occupancy

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform Residential Loan Application reviewed to determine:

– Initial loan application was in the loan file and was signed by all borrowers

– Final loan application was in the loan file and was complete

– Information and debts disclosed on loan application aligned with related documentation in the loan file

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

– Required income documentation for all borrowers was present and within required time period

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 11 February 10, 2026

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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;■ 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

&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

– Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

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

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

– Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

– Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

– Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

– Title interest – determined if

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

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

– Funds to close identified and analyzed against borrower's assets

– Seller contributions did not exceed maximum allowed

– Subject property, seller and borrower aligned with other loan documentation

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

– Verified presence of required hazard insurance and flood insurance (if required)

– Confirmed that any required insurance was for the:

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

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 12 February 10, 2026

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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

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

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

– Social Security inconsistencies

– Borrower name variations

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

– Borrower address history

– Subject property ownership history

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

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

– Mortgage lender/originator

– Loan officer

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

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 13 February 10, 2026

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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:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

- FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report was reasonably complete and included:

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location map

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

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

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

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

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 14 February 10, 2026

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete. However, if the property was not 100% complete, then any unfinished portion had
no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Predominant occupancy

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met
the client supplied eligibility requirements. Examples of ineligible property types may include:

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 15 February 10, 2026

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F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will
not have any communication with or responsibility to any individual consumer concerning property valuation.

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

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 16 February 10, 2026

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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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory
on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation
within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee tolerance
categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the
disclosure was provided to the borrower

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether
the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure
Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of
the prepayment penalty disclosure and assumption policy with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days
prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after
July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance,
mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

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![](n5675clayton_img002.jpg)

&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.

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 18 February 10, 2026

![](n5675clayton_img002.jpg)

● 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.

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

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

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![](n5675clayton_img002.jpg)

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

**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

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 20 February 10, 2026

![](n5675clayton_img002.jpg)

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) |
| Hawaii (Financial Services Loan Company Act) | 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) |
| Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| Michigan (Consumer Mortgage Protection Act) |  |

---

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

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

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

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

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 21 February 10, 2026

![](n5675clayton_img002.jpg)

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

HOMES 2026-AFC1 Due Diligence Narrative Report Page \| 22 February 10, 2026

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | HOMES 2026-AFC1 |
| **Start - End Dates:** | 5/19/2023 - 1/23/2026 |
| **Deal Loan Count:** | 225 |
| **Loan Level Tape Compare Upload** |  |
| *Loans in Report* | *77* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 7DFDEBCF-AA06-4824-ABDC-316E8017ACA1 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| BB3AE470-00A1-40F6-B747-53A14CE61391 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 702AFA68-2749-48AA-8EA7-D5808EE637C2 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 8D66528B-642F-4341-9C67-264162087D4E | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| 07F5F8FF-9D72-4763-9751-5545FE55C6FC | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| FA810CA8-B510-48E4-A209-32244A9DAC76 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| FA810CA8-B510-48E4-A209-32244A9DAC76 | XXXXXX | Borrower 2 First Time Home Buyer | No | Yes |
| 44D3320F-B8E3-4E8C-AC1B-4B555C778FBB | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 1ED73C37-0C21-45EE-B59C-172958AC6975 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| B97525F8-81B9-400E-A113-AC67A2CECF33 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| D79CEAA8-50C4-4A61-A540-F1442A4AF597 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| ECA38C72-22BF-4FEA-AAC3-FECB59BA0075 | XXXXXX | Assumable ID | Not for fixed period; upon credit approval for adj period | Not Assumable |
| 432AEA22-1670-43A7-BFB2-3F59D5CB7F2E | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 4D514553-CC11-41C4-AB52-EEC9184714BC | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 797678DF-EE06-4C59-AAA5-91CBD56CE0D4 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 0FFDF1D7-3075-4617-BA33-A00ACB0E3FBC | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 26E3E072-77DF-4EA4-B5B6-050DE31913F4 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 514CBEB7-E235-4458-930E-DA2718C9A369 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 6140320A-1E85-4886-B00E-753A8AB8A0C1 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| CFE9A4B7-0A50-4631-8FA3-C2292DB9AB63 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| CFE9A4B7-0A50-4631-8FA3-C2292DB9AB63 | XXXXXX | Property Type | Detached PUD | SFR-Attached |
| 8F0011CB-1999-434B-9028-85D8EC7061D7 | XXXXXX | Borrower DSCR Percent | 1.1785 | 1.2907 |
| 1A69DF87-888D-4D7F-AF2A-64895BF05A41 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 93D76B00-903A-4201-8089-226CA34D37F7 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| E8B88C01-2D39-417B-BC6C-C924784661E2 | XXXXXX | Borrower DSCR Percent | 1.2721 | 1.6952 |
| E8B88C01-2D39-417B-BC6C-C924784661E2 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| A96C8225-27CC-4AF1-9186-C4F1D36A44EC | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2B47B400-A5A3-4BE3-9FAC-102EFFCFB4B2 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 99BEBE5C-62C9-46EC-8240-C73546757017 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| 61EE087A-6C88-4A33-83F5-A374E26F5C5A | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 901BAFC2-B02E-4BDF-A410-FB9FBF27E9E7 | XXXXXX | Property Type | SFR | Detached PUD |
| B44606D2-124B-421E-A8F2-F87C32BFFD0C | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| 55BE1679-5FD6-4527-995C-1B18BDB68E20 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 0654A239-FBF3-43F2-B2D3-C7F98203E967 | XXXXXX | County Name | XXXXXX | XXXXXX |
| 0654A239-FBF3-43F2-B2D3-C7F98203E967 | XXXXXX | Ever in Foreclosure | Yes | No |
| 863A536F-F6AD-4F5B-8EBE-D2C0E25F98C6 | XXXXXX | Borrower 2 First Time Home Buyer | No | Yes |
| D4FEA818-9E0C-4BFF-AEDE-D1E5D90A100E | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 917F4D98-971F-444F-918E-91394F8BA786 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| A6619D24-CC83-4A1F-9809-3C83657505DA | XXXXXX | ATR/QM Status | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors |
| 2B5B1CFE-59E4-473C-9827-619C202B3BC0 | XXXXXX | Borrower DSCR Percent | 1.1488 | 0.9928 |
| F52F52FA-9762-457F-82A9-35AA110EA3B0 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 19CDC625-B157-4565-A4CC-D5F91BE2F2FF | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 5ECE761A-11AD-4B2F-B22F-62CF9E54B7E4 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 67DECCE3-264B-4145-BF92-3E3A6B172D2A | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 67DECCE3-264B-4145-BF92-3E3A6B172D2A | XXXXXX | Property Type | SFR | SFR-Attached |
| A6A3806D-051B-49C9-AC64-452150F96DE6 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 7FB90AA7-C554-46CA-81D3-24E4FA3E1E54 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| AE876A38-6B9C-483A-8C6E-CE60A770AA99 | XXXXXX | Prepay Penalty Flag | No | Yes |
| BD474461-D79B-4787-9F67-A5CAA54E548D | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 90AAE42C-40B1-4071-9FE4-B1D89DD7A4F6 | XXXXXX | ATR/QM Status | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors |
| 64DEAC72-2AD7-4AD6-A5B3-39E456DCEC79 | XXXXXX | Combined LTV | 75.00 | 70.71 |
| 64DEAC72-2AD7-4AD6-A5B3-39E456DCEC79 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 64DEAC72-2AD7-4AD6-A5B3-39E456DCEC79 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 64DEAC72-2AD7-4AD6-A5B3-39E456DCEC79 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 64DEAC72-2AD7-4AD6-A5B3-39E456DCEC79 | XXXXXX | Original LTV | 75.00 | 70.71 |
| 64DEAC72-2AD7-4AD6-A5B3-39E456DCEC79 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| EEF78D24-C8F8-438E-A55A-AA1A89898D05 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 315B6F96-4FC7-448B-A0A0-406BCF11B618 | XXXXXX | Assumable ID | Not Assumable | Assumable upon credit approval |
| 315B6F96-4FC7-448B-A0A0-406BCF11B618 | XXXXXX | ATR/QM Status | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors |
| 315B6F96-4FC7-448B-A0A0-406BCF11B618 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 608F5EAB-CD8A-4D2D-B196-81EFF6099783 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| D7D1EDE0-B069-4A11-B71F-EFCB7CFAA443 | XXXXXX | ATR/QM Status | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors |
| D7D1EDE0-B069-4A11-B71F-EFCB7CFAA443 | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| D7D1EDE0-B069-4A11-B71F-EFCB7CFAA443 | XXXXXX | Borrower 2 First Time Home Buyer | No | Yes |
| 0F4EDC0C-5DDE-492B-87A0-C1848CCC8761 | XXXXXX | ATR/QM Status | QM: Safe Harbor | Non-QM: Lender documented all ATR UW factors |
| 0F4EDC0C-5DDE-492B-87A0-C1848CCC8761 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| A5EE8068-BB0A-4052-A783-502F11D4BFF5 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| A5EE8068-BB0A-4052-A783-502F11D4BFF5 | XXXXXX | Origination Channel | Correspondent Flow without delegated underwriting | Broker |

---

©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 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | HOMES 2026-AFC1 |
| **Start - End Dates:** | 5/19/2023 - 1/23/2026 |
| **Deal Loan Count:** | 225 |
| **Valuations Summary** |  |

---

---

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| *Loans In Report:* | *225* | *225* |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| *Loans In Report:* |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 7DFDEBCF-AA06-4824-ABDC-316E8017ACA1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 0D1D3D5A-7C82-45A4-AFCB-0FF2472BBE92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| BB3AE470-00A1-40F6-B747-53A14CE61391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 923591D0-B962-4CF6-B003-B6C509791DE7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 702AFA68-2749-48AA-8EA7-D5808EE637C2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| E16542CE-544A-46EF-A175-0CED2EF8D3D1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 8D66528B-642F-4341-9C67-264162087D4E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 07F5F8FF-9D72-4763-9751-5545FE55C6FC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 18AA1FFF-E5D1-42FB-915B-A9EE4E76C3FF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 7EAC1C41-C3F4-449B-9D40-E30B3560C0D8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| F9E0EAB2-7447-4794-8A9B-5555D2B5F7C6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 54570356-7BD2-4905-9376-40B3190729A8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| FA810CA8-B510-48E4-A209-32244A9DAC76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| B5BC012A-64C3-4000-AA62-7B6F58145919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.50% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 1D81E597-E959-4ACF-9280-2A9C4F06A1B8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 369B131A-B632-4295-80DF-BCD59438766A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 0DD0B0F3-59DE-4F43-B2C0-8654EA54E75B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 07230017-7138-42B6-B740-C63EF7988433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 02ADD4F4-8DEE-4E3E-946B-55F1ED9AECC5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| EFCFF0CD-6407-40CB-8561-3436DA366FD9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 2A243089-0C80-4072-A147-32D3F3085483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| CF590C91-C8A0-46A6-868E-78A8E023C558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 44D3320F-B8E3-4E8C-AC1B-4B555C778FBB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 1ED73C37-0C21-45EE-B59C-172958AC6975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| B25882AA-C281-40AA-8B1E-6C113DED6B92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| E22B8DB2-BE8F-4B4B-84E5-1AD9DFC8DE14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| E8D37EA9-B709-4A29-A0E2-7BD6F50C3862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| F220393F-EDDA-4657-9D8C-CBBD7A44A829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 966302F3-5952-4C12-B10C-4BC8C280F0A5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| B97525F8-81B9-400E-A113-AC67A2CECF33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 26423AB6-165E-48D9-BCC3-AD2CB8BBE174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| F6572618-66DE-4E01-8C13-DDF09B85B76D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 943F4C5F-FF2E-4B26-8BD8-668795D58D21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| BC1DB050-B024-424D-B23C-911C535D780C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.6 |
| 79CA10A3-24F9-4D75-906E-B22139FF922C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 925A663F-E968-4704-BC5F-A0449499FB66 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| D79CEAA8-50C4-4A61-A540-F1442A4AF597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| F31B18E8-DC7C-4965-8FC3-D9F3478494CC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| ECA38C72-22BF-4FEA-AAC3-FECB59BA0075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| 8F0DA212-FB0A-4B9D-9B12-E30806D6B6D5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 4.6 |
| 39166211-D326-4363-A92F-8425E0E06CF0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| D381C8B1-3C28-4CC1-BAC0-1A5351AB564C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| B9FEC3E5-68D4-4F80-B542-7AA73438FDCA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 14C4B9B3-1164-4A1B-8325-3D5A87AC4246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 8A1643E5-0051-4492-BA7C-325BE2F908BC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| B9FF9C53-E1DB-43F3-82E3-B4F13D7EF8D7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 19549F82-FF4C-4E5A-81C5-7753F4C98F1C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 1E480911-EF84-4CD8-9303-EE642DD0F4DF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 0B0E2E3C-A910-4B41-8815-0D904F977AA5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| D14DC249-557C-4C64-A50E-260D4F803527 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 40CE5A96-1ED4-497B-AEE4-36F0960CA983 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| B9F689FA-5622-416B-8099-26720E3A4990 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3901FA3B-0FD9-4516-91A7-06A4D02F27FD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| C170C6BC-1B88-4F77-BDC0-F48AACBEE40A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 692B3A7E-B988-4574-AE97-BEEE73476B40 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| E14334A9-9845-4E0F-9D50-2FB6CFB760D2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| F9566781-BA09-42BC-A1B6-61C490CBF32E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 0F78C1AF-16A4-44BF-8BDD-8411D828C2E7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 1C1E657E-AEDA-421A-9D87-754DA61D9449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.6 |
| 432AEA22-1670-43A7-BFB2-3F59D5CB7F2E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 4D430023-1B3A-4E00-84FF-8965B2A43EA5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 4D514553-CC11-41C4-AB52-EEC9184714BC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 2EDF1392-0378-4D7C-A9E5-AA81325DFFAE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 9EBC7F53-C6BF-4418-82BB-28FB6D433A9C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 797678DF-EE06-4C59-AAA5-91CBD56CE0D4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 3827B240-BEA3-4B30-AFFB-B508239C8BD3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 0FFDF1D7-3075-4617-BA33-A00ACB0E3FBC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| 1E850931-5FA2-4390-9C9F-98817620D2F8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| 26E3E072-77DF-4EA4-B5B6-050DE31913F4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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% | 3.5 |
| ACBCA305-DF4E-4151-8611-8A50F6FF5A84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 514CBEB7-E235-4458-930E-DA2718C9A369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| AFB4BDDE-5920-4081-B63D-7F75980AEB6D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 5F82D414-0F1B-4B6E-82DD-FF620E2BEC11 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 954A4A4B-D344-495F-A041-02A0359CC9FE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| B9A810C6-576F-44EC-B444-F27C39140BED | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6DA45350-5549-4B47-AB96-45ACCAF74E8C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 66252B0D-424C-4C74-8B14-D72C7328626F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| E4882BB0-67B6-4453-BB44-335C90D16829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400815D7-14FA-49F2-A126-FC84B17F428A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.4 |
| ADA04529-CC9D-45D8-9331-7D7D2B2DD352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| F2D296E2-97C4-461D-A15B-A6C00F579511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 5BE1CA50-F21A-4EB7-B4B6-868C6350610C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 6A3DCDB0-89BE-4C74-B72D-1143EF9E5AA6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6140320A-1E85-4886-B00E-753A8AB8A0C1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| CFE9A4B7-0A50-4631-8FA3-C2292DB9AB63 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 86E032DC-34F7-49E3-AAAC-C69EED4CDE66 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| FA7F2AFC-7F27-4AC0-AC72-FF5EFDF759D5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 69053A83-0668-4605-A03A-C15B1D9D5072 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 7CB53CF7-AB67-435D-9B18-DDB6BE875FAC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 1B6560D5-87C5-400C-8FA5-2A8730393AAB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 8F0011CB-1999-434B-9028-85D8EC7061D7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| C8530509-6C97-49D8-8E6C-D702A762EB72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| E6C268E2-E121-43FD-8408-A3034430FF1E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| A7EE9A93-6EFA-439C-BF33-7ED9F145AD57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.84% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| EF4508EB-AEE0-43F1-866A-605E191222AF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 623FE8B2-17A3-4E1C-8EEB-29E9A7545051 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| 62C730FE-8DF3-4272-AAF1-0F26797D1431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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 |
| A2FC5AAD-DE72-4462-82BF-430D632060A7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| FC56AF09-89EB-471C-AF4E-D252FD85608E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 1A69DF87-888D-4D7F-AF2A-64895BF05A41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| 93D76B00-903A-4201-8089-226CA34D37F7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| D1ED8AE0-7673-4476-A236-8FBEFAF8CE5B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6211B053-A228-46E6-9F16-BB215EFC48BA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| E8B88C01-2D39-417B-BC6C-C924784661E2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 1C5CCDD4-77AD-4B01-92F0-7B7D65FB8C24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| A3772AB4-5177-42BC-A75A-48948095B0B9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 7ECB8D49-0910-4FA2-8416-3B29BC037245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 4B594FF9-F78F-4C80-99C2-94219463B85C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| D520566A-C5E5-449C-9D8F-D9480F8D3257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 1577EDB2-2E42-4E04-8747-5982642E6E3C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| C0722D04-5103-4CD5-B980-8F11EB280BA2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 473F85D6-0578-4C3D-88C0-E72B6F4B80DD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 02D46CCD-B80B-4A7E-A4E8-8868E6946748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9B8B89AF-30CE-49F7-90A9-B08DB30B032F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 4FE52C59-745A-4E8E-8F54-1CDA9867F8D9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 7CF2F548-581E-43F0-939B-EEB6A53E4219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| A96C8225-27CC-4AF1-9186-C4F1D36A44EC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 0E749DA0-C539-4C03-BC09-4DC28124BC72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.6 |
| 2E509304-AAD8-41C6-951E-5DDF9F3DEE1A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2B47B400-A5A3-4BE3-9FAC-102EFFCFB4B2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.1 |
| 99BEBE5C-62C9-46EC-8240-C73546757017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| FD3B1CE6-0C3C-4F49-A8AB-D493714CF3C4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| E36048F8-9036-4959-AC16-040CE6339FFA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 61EE087A-6C88-4A33-83F5-A374E26F5C5A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2428D632-E407-42AD-9396-C2330FE7C648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 89A64F86-A90B-4A42-BFC1-A9D17CD9D55F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3B4F5F80-5ADE-4CAA-B151-DC65ABE722C0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 4.8 |
| 7DDE50EB-66E5-4846-8832-F13C2B680093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 3AE6DE5A-8B07-4CA6-A0C0-2D3394A5D8B8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| E941AFAB-D844-41FA-8AC4-D38F7A312394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 901BAFC2-B02E-4BDF-A410-FB9FBF27E9E7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| CD1380AD-4376-4BB9-909B-154C19CC9E1A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| E1CBBB73-F3AF-473A-8041-A66273AA5EB1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 7D6CC044-101A-4936-9449-A94BEC3541BF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 39B1B89F-927D-4DA6-8F75-90B95015ED84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| 8217546B-60AF-43F6-B53E-7828E2B5554B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 47366040-2B03-4329-8FEE-053451710C86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2B39BE40-95AA-438F-B7DE-8ED8C691F1C6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 42124EBB-C8BB-4E29-AA29-D67883526D88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| B022C736-7BD3-4D42-9CFA-45B893D4EA5C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| CF1E4647-A6D5-441F-B08B-AF41E1344A09 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| D7FA0886-3053-4319-AD2F-83628FD3CA14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7D5438A8-10BF-41D9-BB53-970BC34094C9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 7C3475D3-9E67-4CF8-AC69-96B113A90DA5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| 4F4A4C42-1156-421B-B627-CCEDCB4994B0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| BE73DC6B-738D-4FE8-A522-2B478B040D51 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| FC0F4425-E3CA-4EF4-A8DE-BDEED6CBF750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.6 |
| A57C92E9-591D-405A-B5BB-2049C1C310AC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| AB8B17F1-917D-4467-BF57-5C38300C6A7F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.9 |
| 307DA809-4A9C-4FD3-A233-263192AD8409 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.6 |
| B3D53C04-77D6-43AC-B587-F961752D7096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| F5ADE851-C9B7-4ED8-A213-10419873D8DB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.9 |
| AC479507-9EED-49D2-8094-0F8791272979 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| F79706F6-D5D4-4765-9512-9F058CD981F6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| CD9CE262-B0D9-48F4-80D4-F60922E4DF7C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 4893EC26-E926-439D-9685-1C8B3B06B667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| FDCA39EB-80FA-442B-8F1C-B163371E572B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 908F98A6-C1E3-4B80-AD81-A2A2F7EA20EE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 000EF31F-3D0E-4ED3-9BF1-7D95AB97EF4F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| A6FC571B-4D4E-40BD-AD16-93EDDBC4C413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| B8099A0F-8668-45D4-96B3-96D263D70911 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.3 |
| B58FDD1F-4463-4A56-8551-81E1AAF012A9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 918562C8-6CDE-4B4A-B5F6-B5467FAACE61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| B44606D2-124B-421E-A8F2-F87C32BFFD0C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| B9E550F3-BBBC-4F48-A000-2354EADAA712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| B36F3D16-76C5-4A76-9E59-2CAFCED0B432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 5B871BA0-073F-4037-B8CA-06398CFF8105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.9 |
| 21B9BEAC-2A11-4EF1-937F-7834CAC09350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 490A0F96-4093-45CC-AFF4-6092A39A406E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 55BE1679-5FD6-4527-995C-1B18BDB68E20 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 2.67% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| CCFACB03-04DC-441D-8C77-C12E4C2410D5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 546DADD7-A29E-4368-9F73-8B4A12C9F218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 0654A239-FBF3-43F2-B2D3-C7F98203E967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $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% | 3.6 |
| 25B6D5FF-D068-436F-8BF9-D8CB7C9A052F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.9 |
| 863A536F-F6AD-4F5B-8EBE-D2C0E25F98C6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| AD33B291-0E99-46DB-8C8F-BB5BA42E404D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| B01C2E86-CBA2-4BD7-AE5E-994DDD60BC1E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| B0E29DC5-DFEB-4F28-AFBC-0AEB35A38025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| D4FEA818-9E0C-4BFF-AEDE-D1E5D90A100E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| DBEEC309-5C9C-4F36-9F62-092B8CCE1F4B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 1.2 |
| 917F4D98-971F-444F-918E-91394F8BA786 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| A6619D24-CC83-4A1F-9809-3C83657505DA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 2A77D4CE-DFED-4F62-9BCA-EF40A8CF578F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| FA801461-C138-43CB-895D-170534C510CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 5610EEDB-51FC-4D27-8993-B5B804E75BEA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 57B0F5D9-A21B-4633-B5DB-0981C52516B4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| B716338E-E788-4996-BBE1-EB71B203667D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| F2BC9651-02B2-48FE-97F3-89E51BC06FAD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2B5B1CFE-59E4-473C-9827-619C202B3BC0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| 21C6E8A2-3624-451D-9D26-DC865891253C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 2.6 |
| CB5DFD61-5991-44CE-9BFD-A93B8D4C050C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 53DE8D27-5F52-4D72-90DC-463049AD9796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| F52F52FA-9762-457F-82A9-35AA110EA3B0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 8DB39790-0CF5-4BAF-9988-524D97968074 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 2ECE045E-6340-4F0B-BCC7-E914E22AAFED | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| D572C04E-4529-4F30-B3CE-01BE0CBB3322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 19CDC625-B157-4565-A4CC-D5F91BE2F2FF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 495CE241-85DB-4F81-BF4E-078F381677B4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 26E9CBBC-AB46-44DA-9DC1-0E5CF18CA5DD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2F180BE0-1081-4E47-8720-D33826109AA7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| C15AB2AD-FC25-4F64-8AD8-16BCA0FBE3DE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 5ECE761A-11AD-4B2F-B22F-62CF9E54B7E4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| A342A044-35BB-4963-89C9-18DAB033C9FC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 67DECCE3-264B-4145-BF92-3E3A6B172D2A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| ADF7CA98-F267-4F6C-92BC-B196E28A3B78 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| FA321AC3-BF44-44EF-B874-4E33BFAF0FBD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| A6A3806D-051B-49C9-AC64-452150F96DE6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 5711642F-846F-4F39-9C26-9A69213D379A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| BCFB6F6A-2B0A-4495-B5C4-8F85B8FEA4E6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 7FB90AA7-C554-46CA-81D3-24E4FA3E1E54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| AE876A38-6B9C-483A-8C6E-CE60A770AA99 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $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% | (No Data) |
| BD474461-D79B-4787-9F67-A5CAA54E548D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 90AAE42C-40B1-4071-9FE4-B1D89DD7A4F6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 64DEAC72-2AD7-4AD6-A5B3-39E456DCEC79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.71% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| EEF78D24-C8F8-438E-A55A-AA1A89898D05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 315B6F96-4FC7-448B-A0A0-406BCF11B618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| C8127CCF-2C35-47E2-9831-3FC795068617 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.6 |
| 2A3F6FA1-CF81-40C6-9C69-E5AD59BE9E2F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 608F5EAB-CD8A-4D2D-B196-81EFF6099783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| D7D1EDE0-B069-4A11-B71F-EFCB7CFAA443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 73450855-2E55-4CF2-9DB8-ED5738A8BE8A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 0F4EDC0C-5DDE-492B-87A0-C1848CCC8761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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 |
| 50256844-C3AD-4910-9F3A-454494D5DB56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | 3.8 |
| 2C91B522-85F9-405D-9AB9-FF879DB20D60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| A5EE8068-BB0A-4052-A783-502F11D4BFF5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% | (No Data) |

---

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

## Exhibit 99.4

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **HOMES 2026-AFC1** |
| **Start - End Dates:** | **5/19/2023 - 1/23/2026** |
| **Deal Loan Count:** | **225** |
| **ATR QM Upload** |  |
| *Loans in Report* | ***225*** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
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| 0D1D3D5A-7C82-45A4-AFCB-0FF2472BBE92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 9100.00 | No | (No Data) | 1.2835 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| BB3AE470-00A1-40F6-B747-53A14CE61391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2750.00 | No | (No Data) | 1.2737 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 923591D0-B962-4CF6-B003-B6C509791DE7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2824.00 | No | (No Data) | 1.4108 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 702AFA68-2749-48AA-8EA7-D5808EE637C2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.4043 | Yes | Yes | 3.198 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.28 | 35.28 | 35.28 | 35.28 | 35.28 | 35.28 | No | No | (No Data) | XXXXXX | 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) | Yes | Tax Preparer | 15 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 15 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| E16542CE-544A-46EF-A175-0CED2EF8D3D1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1349 | 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) | XXXXXX | 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 | 2700.00 | No | (No Data) | 0.9261 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 8D66528B-642F-4341-9C67-264162087D4E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3100.00 | No | (No Data) | 1.0036 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 07F5F8FF-9D72-4763-9751-5545FE55C6FC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2500.00 | 1.0112 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 18AA1FFF-E5D1-42FB-915B-A9EE4E76C3FF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 6347.00 | No | (No Data) | 1.5789 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7EAC1C41-C3F4-449B-9D40-E30B3560C0D8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3900.00 | No | (No Data) | 0.8517 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| F9E0EAB2-7447-4794-8A9B-5555D2B5F7C6 | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4535 | Yes | Yes | 3.86 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.33 | 31.33 | 31.33 | 31.33 | 31.33 | 31.33 | No | No | (No Data) | XXXXXX | 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) | Yes | CPA | 18 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 18 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 54570356-7BD2-4905-9376-40B3190729A8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3900.00 | No | (No Data) | 0.8998 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| FA810CA8-B510-48E4-A209-32244A9DAC76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| B5BC012A-64C3-4000-AA62-7B6F58145919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3750.00 | No | (No Data) | 1.4845 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1D81E597-E959-4ACF-9280-2A9C4F06A1B8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1825.00 | No | (No Data) | 1.0924 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 369B131A-B632-4295-80DF-BCD59438766A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2100.00 | No | (No Data) | 1.1972 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 0DD0B0F3-59DE-4F43-B2C0-8654EA54E75B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 4000.00 | 1.1745 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 07230017-7138-42B6-B740-C63EF7988433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 4800.00 | No | (No Data) | 1.0250 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 02ADD4F4-8DEE-4E3E-946B-55F1ED9AECC5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.41 | 0 | 44.41 | 44.41 | 44.41 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L Only - 20 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| EFCFF0CD-6407-40CB-8561-3436DA366FD9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2600.00 | No | (No Data) | 0.9732 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2A243089-0C80-4072-A147-32D3F3085483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1800.00 | No | (No Data) | 0.8759 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| CF590C91-C8A0-46A6-868E-78A8E023C558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1800.00 | No | (No Data) | 0.9452 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 44D3320F-B8E3-4E8C-AC1B-4B555C778FBB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0826 | No | No | 2.089 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.92 | 47.93 | 47.92 | 47.93 | 47.92 | 47.92 | No | No | (No Data) | XXXXXX | 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) | Yes | Tax Preparer | 22 | No | (No Data) | (No Data) | No | (No Data) | (No 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 | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 22 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1ED73C37-0C21-45EE-B59C-172958AC6975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.1962 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| B25882AA-C281-40AA-8B1E-6C113DED6B92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 4600.00 | No | (No Data) | 1.0311 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| E22B8DB2-BE8F-4B4B-84E5-1AD9DFC8DE14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3650.00 | No | (No Data) | 1.0000 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| E8D37EA9-B709-4A29-A0E2-7BD6F50C3862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 4000.00 | No | (No Data) | 1.0029 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| F220393F-EDDA-4657-9D8C-CBBD7A44A829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3250.00 | No | (No Data) | 1.4858 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 966302F3-5952-4C12-B10C-4BC8C280F0A5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2000.00 | No | (No Data) | 1.0012 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| B97525F8-81B9-400E-A113-AC67A2CECF33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2450.00 | No | (No Data) | 1.0686 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Work Visa | (No Data) | (No Data) | (No Data) |
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| D79CEAA8-50C4-4A61-A540-F1442A4AF597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2295.00 | 1.1833 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| F31B18E8-DC7C-4965-8FC3-D9F3478494CC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2700.00 | No | (No Data) | 1.1611 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| ECA38C72-22BF-4FEA-AAC3-FECB59BA0075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.6543 | 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) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5000.00 | 1.0614 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 8F0DA212-FB0A-4B9D-9B12-E30806D6B6D5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1650.00 | 1.1941 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 39166211-D326-4363-A92F-8425E0E06CF0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1700.00 | 1.2119 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| D381C8B1-3C28-4CC1-BAC0-1A5351AB564C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1098.00 | 1.2841 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
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| ACBCA305-DF4E-4151-8611-8A50F6FF5A84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1900.00 | No | (No Data) | 1.4543 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 514CBEB7-E235-4458-930E-DA2718C9A369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2500.00 | 1.1037 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| AFB4BDDE-5920-4081-B63D-7F75980AEB6D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1750.00 | No | (No Data) | 1.0378 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) | (No Data) |
| 5F82D414-0F1B-4B6E-82DD-FF620E2BEC11 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1150.00 | 1.0130 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 954A4A4B-D344-495F-A041-02A0359CC9FE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2600.00 | 1.1408 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| B9A810C6-576F-44EC-B444-F27C39140BED | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3650.00 | No | (No Data) | 1.1357 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6DA45350-5549-4B47-AB96-45ACCAF74E8C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 7500.00 | 1.0925 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 66252B0D-424C-4C74-8B14-D72C7328626F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 6400.00 | No | (No Data) | 1.0438 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| E4882BB0-67B6-4453-BB44-335C90D16829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1300.00 | 1.1917 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
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| ADA04529-CC9D-45D8-9331-7D7D2B2DD352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2200.00 | No | (No Data) | 1.0315 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
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| EF4508EB-AEE0-43F1-866A-605E191222AF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1700.00 | No | (No Data) | 1.2728 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 623FE8B2-17A3-4E1C-8EEB-29E9A7545051 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 8250.00 | No | (No Data) | 1.1667 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 62C730FE-8DF3-4272-AAF1-0F26797D1431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2300.00 | No | (No Data) | 1.1822 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| A2FC5AAD-DE72-4462-82BF-430D632060A7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.5000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2900.00 | 1.1967 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| FC56AF09-89EB-471C-AF4E-D252FD85608E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1800.00 | No | (No Data) | 1.6182 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1A69DF87-888D-4D7F-AF2A-64895BF05A41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4900.00 | No | (No Data) | 1.1414 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 93D76B00-903A-4201-8089-226CA34D37F7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2600.00 | No | (No Data) | 1.0268 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| D1ED8AE0-7673-4476-A236-8FBEFAF8CE5B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.1504 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6211B053-A228-46E6-9F16-BB215EFC48BA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2350.00 | No | (No Data) | 1.0440 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| E8B88C01-2D39-417B-BC6C-C924784661E2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6222.00 | No | (No Data) | 1.6952 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1C5CCDD4-77AD-4B01-92F0-7B7D65FB8C24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1600.00 | No | (No Data) | 2.0566 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| A3772AB4-5177-42BC-A75A-48948095B0B9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2000.00 | No | (No Data) | 1.0228 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
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| 89A64F86-A90B-4A42-BFC1-A9D17CD9D55F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | 2200.00 | No | (No Data) | 1.0154 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
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| 7DDE50EB-66E5-4846-8832-F13C2B680093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1400.00 | No | (No Data) | 1.4470 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3AE6DE5A-8B07-4CA6-A0C0-2D3394A5D8B8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2400.00 | 1.1809 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
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| CD1380AD-4376-4BB9-909B-154C19CC9E1A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2660.00 | No | (No Data) | 1.4655 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Work Visa | (No Data) | (No Data) | (No Data) |
| E1CBBB73-F3AF-473A-8041-A66273AA5EB1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3000.00 | No | (No Data) | 1.0601 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
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| 5B871BA0-073F-4037-B8CA-06398CFF8105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1800.00 | 1.1614 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 21B9BEAC-2A11-4EF1-937F-7834CAC09350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3000.00 | 1.1096 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 490A0F96-4093-45CC-AFF4-6092A39A406E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2280.00 | No | (No Data) | 1.0259 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 55BE1679-5FD6-4527-995C-1B18BDB68E20 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2600.00 | No | (No Data) | 1.0043 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| CCFACB03-04DC-441D-8C77-C12E4C2410D5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3100.00 | No | (No Data) | 1.0199 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 546DADD7-A29E-4368-9F73-8B4A12C9F218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2350.00 | No | (No Data) | 1.0775 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 0654A239-FBF3-43F2-B2D3-C7F98203E967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1650.00 | No | (No Data) | 1.0729 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 25B6D5FF-D068-436F-8BF9-D8CB7C9A052F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3950.00 | No | (No Data) | 0.8666 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
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| D4FEA818-9E0C-4BFF-AEDE-D1E5D90A100E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2500.00 | No | (No Data) | 1.2735 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| DBEEC309-5C9C-4F36-9F62-092B8CCE1F4B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1350.00 | No | (No Data) | 1.4261 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 917F4D98-971F-444F-918E-91394F8BA786 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2950.00 | No | (No Data) | 1.0020 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| A6619D24-CC83-4A1F-9809-3C83657505DA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.0643 | No | Yes | 1.727 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.25 | 43.04 | 36.25 | 43.04 | 43.04 | 43.04 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2A77D4CE-DFED-4F62-9BCA-EF40A8CF578F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2600.00 | No | (No Data) | 1.0034 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| FA801461-C138-43CB-895D-170534C510CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1975.00 | No | (No Data) | 1.0064 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 5610EEDB-51FC-4D27-8993-B5B804E75BEA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1950.00 | No | (No Data) | 1.1104 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 57B0F5D9-A21B-4633-B5DB-0981C52516B4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1437.50 | 1.3380 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
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| 2B5B1CFE-59E4-473C-9827-619C202B3BC0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 6720.00 | No | (No Data) | 0.9928 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
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| CB5DFD61-5991-44CE-9BFD-A93B8D4C050C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2850.00 | No | (No Data) | 1.0783 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 53DE8D27-5F52-4D72-90DC-463049AD9796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2650.00 | No | (No Data) | 1.1544 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
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| 8DB39790-0CF5-4BAF-9988-524D97968074 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2300.00 | No | (No Data) | 1.3727 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2ECE045E-6340-4F0B-BCC7-E914E22AAFED | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3000.00 | No | (No Data) | 1.0406 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
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| 19CDC625-B157-4565-A4CC-D5F91BE2F2FF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2300.00 | No | (No Data) | 0.9206 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Work Visa | (No Data) | (No Data) | (No Data) |
| 495CE241-85DB-4F81-BF4E-078F381677B4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1650.00 | No | (No Data) | 1.4729 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 26E9CBBC-AB46-44DA-9DC1-0E5CF18CA5DD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.2206 | Yes | Yes | 3.364 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.46 | 41.46 | 41.46 | 41.46 | 41.46 | 41.46 | No | No | (No Data) | XXXXXX | 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) | Yes | CPA | 21 | No | (No Data) | (No Data) | No | (No Data) | (No 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 | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 21 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2F180BE0-1081-4E47-8720-D33826109AA7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1875.00 | 1.1134 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| C15AB2AD-FC25-4F64-8AD8-16BCA0FBE3DE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 2590.00 | No | (No Data) | 1.0602 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 5ECE761A-11AD-4B2F-B22F-62CF9E54B7E4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8202 | Yes | Yes | 1.869 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.6 | 26.6 | 26.6 | 26.6 | 26.6 | 26.6 | No | No | (No Data) | XXXXXX | 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) | Yes | FMNA 1005 | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| A342A044-35BB-4963-89C9-18DAB033C9FC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.7195 | Yes | Yes | 3.581 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.32 | 21.32 | 21.32 | 21.32 | 21.32 | 21.32 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 67DECCE3-264B-4145-BF92-3E3A6B172D2A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 1600.00 | No | (No Data) | 1.3183 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| ADF7CA98-F267-4F6C-92BC-B196E28A3B78 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3600.00 | 1.0057 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| FA321AC3-BF44-44EF-B874-4E33BFAF0FBD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2400.00 | 1.5380 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| A6A3806D-051B-49C9-AC64-452150F96DE6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3200.00 | No | (No Data) | 1.2425 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 5711642F-846F-4F39-9C26-9A69213D379A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 9600.00 | 1.0368 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| BCFB6F6A-2B0A-4495-B5C4-8F85B8FEA4E6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2096.00 | 1.0014 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7FB90AA7-C554-46CA-81D3-24E4FA3E1E54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 4500.00 | 1.6202 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| AE876A38-6B9C-483A-8C6E-CE60A770AA99 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.46 | 0 | 37.46 | 37.46 | 37.46 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 48 months;<br> P & L Only - 19 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| BD474461-D79B-4787-9F67-A5CAA54E548D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1800.00 | 1.7963 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 90AAE42C-40B1-4071-9FE4-B1D89DD7A4F6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1050 | Yes | Yes | 0.769 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.14 | 41.14 | 41.14 | 41.14 | 41.14 | 41.14 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 21 | No | (No Data) | (No Data) | No | (No Data) | (No 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 | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 21 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 64DEAC72-2AD7-4AD6-A5B3-39E456DCEC79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 6900.00 | 1.3459 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| EEF78D24-C8F8-438E-A55A-AA1A89898D05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 4500.00 | No | (No Data) | 1.0172 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 315B6F96-4FC7-448B-A0A0-406BCF11B618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6684 | No | No | 0.335 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.68 | 44.68 | 44.68 | 44.68 | 44.68 | 44.68 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| C8127CCF-2C35-47E2-9831-3FC795068617 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1895.00 | 1.1260 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2A3F6FA1-CF81-40C6-9C69-E5AD59BE9E2F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 5500.00 | No | (No Data) | 1.1378 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 608F5EAB-CD8A-4D2D-B196-81EFF6099783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2300.00 | 1.1775 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| D7D1EDE0-B069-4A11-B71F-EFCB7CFAA443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1816 | No | No | 0.161 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48 | 48 | 48 | 48 | 48 | 48 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 32 | Yes | FMNA 1005 | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 32 months | Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 73450855-2E55-4CF2-9DB8-ED5738A8BE8A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0899 | No | No | 0.635 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.95 | 46.95 | 46.95 | 46.95 | 46.95 | 46.95 | No | No | (No Data) | XXXXXX | 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) | Yes | FMNA 1005 | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 25 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 0F4EDC0C-5DDE-492B-87A0-C1848CCC8761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3511 | Yes | Yes | 0.695 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.35 | 36.35 | 36.35 | 36.35 | 36.35 | 36.35 | No | No | (No Data) | XXXXXX | 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) | Yes | Tax Preparer | 21 | No | (No Data) | (No Data) | No | (No Data) | (No 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 | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 21 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 50256844-C3AD-4910-9F3A-454494D5DB56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 13.01 | 0 | 13.01 | 13.01 | 13.01 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | Yes | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2C91B522-85F9-405D-9AB9-FF879DB20D60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.2638 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | Green Card | (No Data) | (No Data) |
| A5EE8068-BB0A-4052-A783-502F11D4BFF5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | 3200.00 | No | (No Data) | 1.6088 | (No Data) | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | XXXXXX | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |

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<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **HOMES 2026-AFC1** |
| **Start - End Dates:** | **5/19/2023 - 1/23/2026** |
| **Deal Loan Count:** | **225** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *225* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 7DFDEBCF-AA06-4824-ABDC-316E8017ACA1 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 9299.52 | XXXXXX | 8.2811 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 0D1D3D5A-7C82-45A4-AFCB-0FF2472BBE92 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| BB3AE470-00A1-40F6-B747-53A14CE61391 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 923591D0-B962-4CF6-B003-B6C509791DE7 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 702AFA68-2749-48AA-8EA7-D5808EE637C2 | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | No | No | 7063.44 | XXXXXX | 8.4043 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| E16542CE-544A-46EF-A175-0CED2EF8D3D1 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.1349 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8D66528B-642F-4341-9C67-264162087D4E | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 07F5F8FF-9D72-4763-9751-5545FE55C6FC | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 18AA1FFF-E5D1-42FB-915B-A9EE4E76C3FF | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7EAC1C41-C3F4-449B-9D40-E30B3560C0D8 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| F9E0EAB2-7447-4794-8A9B-5555D2B5F7C6 | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | No | No | 6968.13 | XXXXXX | 7.4535 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 54570356-7BD2-4905-9376-40B3190729A8 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| FA810CA8-B510-48E4-A209-32244A9DAC76 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| B5BC012A-64C3-4000-AA62-7B6F58145919 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 1D81E597-E959-4ACF-9280-2A9C4F06A1B8 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 369B131A-B632-4295-80DF-BCD59438766A | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 0DD0B0F3-59DE-4F43-B2C0-8654EA54E75B | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 07230017-7138-42B6-B740-C63EF7988433 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 02ADD4F4-8DEE-4E3E-946B-55F1ED9AECC5 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| EFCFF0CD-6407-40CB-8561-3436DA366FD9 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 2A243089-0C80-4072-A147-32D3F3085483 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| CF590C91-C8A0-46A6-868E-78A8E023C558 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 44D3320F-B8E3-4E8C-AC1B-4B555C778FBB | QM: Safe Harbor (APOR) | XXXXXX | XXXXXX | XXXXXX | No | Yes | 7245 | XXXXXX | 7.0826 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 1ED73C37-0C21-45EE-B59C-172958AC6975 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| B25882AA-C281-40AA-8B1E-6C113DED6B92 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| E22B8DB2-BE8F-4B4B-84E5-1AD9DFC8DE14 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| E8D37EA9-B709-4A29-A0E2-7BD6F50C3862 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| F220393F-EDDA-4657-9D8C-CBBD7A44A829 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 966302F3-5952-4C12-B10C-4BC8C280F0A5 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B97525F8-81B9-400E-A113-AC67A2CECF33 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 26423AB6-165E-48D9-BCC3-AD2CB8BBE174 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| F6572618-66DE-4E01-8C13-DDF09B85B76D | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 943F4C5F-FF2E-4B26-8BD8-668795D58D21 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| BC1DB050-B024-424D-B23C-911C535D780C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 79CA10A3-24F9-4D75-906E-B22139FF922C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 925A663F-E968-4704-BC5F-A0449499FB66 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| D79CEAA8-50C4-4A61-A540-F1442A4AF597 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| F31B18E8-DC7C-4965-8FC3-D9F3478494CC | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| ECA38C72-22BF-4FEA-AAC3-FECB59BA0075 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6543 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8F0DA212-FB0A-4B9D-9B12-E30806D6B6D5 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 39166211-D326-4363-A92F-8425E0E06CF0 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| D381C8B1-3C28-4CC1-BAC0-1A5351AB564C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B9FEC3E5-68D4-4F80-B542-7AA73438FDCA | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 14C4B9B3-1164-4A1B-8325-3D5A87AC4246 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8A1643E5-0051-4492-BA7C-325BE2F908BC | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B9FF9C53-E1DB-43F3-82E3-B4F13D7EF8D7 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 19549F82-FF4C-4E5A-81C5-7753F4C98F1C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 1E480911-EF84-4CD8-9303-EE642DD0F4DF | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 0B0E2E3C-A910-4B41-8815-0D904F977AA5 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| D14DC249-557C-4C64-A50E-260D4F803527 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 40CE5A96-1ED4-497B-AEE4-36F0960CA983 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| B9F689FA-5622-416B-8099-26720E3A4990 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3901FA3B-0FD9-4516-91A7-06A4D02F27FD | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| C170C6BC-1B88-4F77-BDC0-F48AACBEE40A | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 692B3A7E-B988-4574-AE97-BEEE73476B40 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| E14334A9-9845-4E0F-9D50-2FB6CFB760D2 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| F9566781-BA09-42BC-A1B6-61C490CBF32E | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 0F78C1AF-16A4-44BF-8BDD-8411D828C2E7 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 1C1E657E-AEDA-421A-9D87-754DA61D9449 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 432AEA22-1670-43A7-BFB2-3F59D5CB7F2E | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 4D430023-1B3A-4E00-84FF-8965B2A43EA5 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 4D514553-CC11-41C4-AB52-EEC9184714BC | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2EDF1392-0378-4D7C-A9E5-AA81325DFFAE | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9EBC7F53-C6BF-4418-82BB-28FB6D433A9C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.3285 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 797678DF-EE06-4C59-AAA5-91CBD56CE0D4 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3827B240-BEA3-4B30-AFFB-B508239C8BD3 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 0FFDF1D7-3075-4617-BA33-A00ACB0E3FBC | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 1E850931-5FA2-4390-9C9F-98817620D2F8 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 26E3E072-77DF-4EA4-B5B6-050DE31913F4 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| ACBCA305-DF4E-4151-8611-8A50F6FF5A84 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 514CBEB7-E235-4458-930E-DA2718C9A369 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| AFB4BDDE-5920-4081-B63D-7F75980AEB6D | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 5F82D414-0F1B-4B6E-82DD-FF620E2BEC11 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 954A4A4B-D344-495F-A041-02A0359CC9FE | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| B9A810C6-576F-44EC-B444-F27C39140BED | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6DA45350-5549-4B47-AB96-45ACCAF74E8C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 66252B0D-424C-4C74-8B14-D72C7328626F | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| E4882BB0-67B6-4453-BB44-335C90D16829 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400815D7-14FA-49F2-A126-FC84B17F428A | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| ADA04529-CC9D-45D8-9331-7D7D2B2DD352 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| F2D296E2-97C4-461D-A15B-A6C00F579511 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5BE1CA50-F21A-4EB7-B4B6-868C6350610C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 6A3DCDB0-89BE-4C74-B72D-1143EF9E5AA6 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 6140320A-1E85-4886-B00E-753A8AB8A0C1 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| CFE9A4B7-0A50-4631-8FA3-C2292DB9AB63 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86E032DC-34F7-49E3-AAAC-C69EED4CDE66 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| FA7F2AFC-7F27-4AC0-AC72-FF5EFDF759D5 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 69053A83-0668-4605-A03A-C15B1D9D5072 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7CB53CF7-AB67-435D-9B18-DDB6BE875FAC | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 1B6560D5-87C5-400C-8FA5-2A8730393AAB | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8F0011CB-1999-434B-9028-85D8EC7061D7 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| C8530509-6C97-49D8-8E6C-D702A762EB72 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| E6C268E2-E121-43FD-8408-A3034430FF1E | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| A7EE9A93-6EFA-439C-BF33-7ED9F145AD57 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| EF4508EB-AEE0-43F1-866A-605E191222AF | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 623FE8B2-17A3-4E1C-8EEB-29E9A7545051 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 62C730FE-8DF3-4272-AAF1-0F26797D1431 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| A2FC5AAD-DE72-4462-82BF-430D632060A7 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| FC56AF09-89EB-471C-AF4E-D252FD85608E | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 1A69DF87-888D-4D7F-AF2A-64895BF05A41 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 93D76B00-903A-4201-8089-226CA34D37F7 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| D1ED8AE0-7673-4476-A236-8FBEFAF8CE5B | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6211B053-A228-46E6-9F16-BB215EFC48BA | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| E8B88C01-2D39-417B-BC6C-C924784661E2 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 1C5CCDD4-77AD-4B01-92F0-7B7D65FB8C24 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| A3772AB4-5177-42BC-A75A-48948095B0B9 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7ECB8D49-0910-4FA2-8416-3B29BC037245 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 4B594FF9-F78F-4C80-99C2-94219463B85C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| D520566A-C5E5-449C-9D8F-D9480F8D3257 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 1577EDB2-2E42-4E04-8747-5982642E6E3C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| C0722D04-5103-4CD5-B980-8F11EB280BA2 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 473F85D6-0578-4C3D-88C0-E72B6F4B80DD | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1649 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 02D46CCD-B80B-4A7E-A4E8-8868E6946748 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9B8B89AF-30CE-49F7-90A9-B08DB30B032F | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 4FE52C59-745A-4E8E-8F54-1CDA9867F8D9 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7CF2F548-581E-43F0-939B-EEB6A53E4219 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| A96C8225-27CC-4AF1-9186-C4F1D36A44EC | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 0E749DA0-C539-4C03-BC09-4DC28124BC72 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2E509304-AAD8-41C6-951E-5DDF9F3DEE1A | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2B47B400-A5A3-4BE3-9FAC-102EFFCFB4B2 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 99BEBE5C-62C9-46EC-8240-C73546757017 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| FD3B1CE6-0C3C-4F49-A8AB-D493714CF3C4 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| E36048F8-9036-4959-AC16-040CE6339FFA | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 61EE087A-6C88-4A33-83F5-A374E26F5C5A | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2428D632-E407-42AD-9396-C2330FE7C648 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 89A64F86-A90B-4A42-BFC1-A9D17CD9D55F | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3B4F5F80-5ADE-4CAA-B151-DC65ABE722C0 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.3467 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7DDE50EB-66E5-4846-8832-F13C2B680093 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3AE6DE5A-8B07-4CA6-A0C0-2D3394A5D8B8 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| E941AFAB-D844-41FA-8AC4-D38F7A312394 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 901BAFC2-B02E-4BDF-A410-FB9FBF27E9E7 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| CD1380AD-4376-4BB9-909B-154C19CC9E1A | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| E1CBBB73-F3AF-473A-8041-A66273AA5EB1 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7D6CC044-101A-4936-9449-A94BEC3541BF | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 39B1B89F-927D-4DA6-8F75-90B95015ED84 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8217546B-60AF-43F6-B53E-7828E2B5554B | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 47366040-2B03-4329-8FEE-053451710C86 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2B39BE40-95AA-438F-B7DE-8ED8C691F1C6 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 42124EBB-C8BB-4E29-AA29-D67883526D88 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B022C736-7BD3-4D42-9CFA-45B893D4EA5C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| CF1E4647-A6D5-441F-B08B-AF41E1344A09 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| D7FA0886-3053-4319-AD2F-83628FD3CA14 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7D5438A8-10BF-41D9-BB53-970BC34094C9 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7C3475D3-9E67-4CF8-AC69-96B113A90DA5 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 4F4A4C42-1156-421B-B627-CCEDCB4994B0 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| BE73DC6B-738D-4FE8-A522-2B478B040D51 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| FC0F4425-E3CA-4EF4-A8DE-BDEED6CBF750 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| A57C92E9-591D-405A-B5BB-2049C1C310AC | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| AB8B17F1-917D-4467-BF57-5C38300C6A7F | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 307DA809-4A9C-4FD3-A233-263192AD8409 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| B3D53C04-77D6-43AC-B587-F961752D7096 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| F5ADE851-C9B7-4ED8-A213-10419873D8DB | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| AC479507-9EED-49D2-8094-0F8791272979 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| F79706F6-D5D4-4765-9512-9F058CD981F6 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| CD9CE262-B0D9-48F4-80D4-F60922E4DF7C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 4893EC26-E926-439D-9685-1C8B3B06B667 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| FDCA39EB-80FA-442B-8F1C-B163371E572B | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 908F98A6-C1E3-4B80-AD81-A2A2F7EA20EE | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 000EF31F-3D0E-4ED3-9BF1-7D95AB97EF4F | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| A6FC571B-4D4E-40BD-AD16-93EDDBC4C413 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B8099A0F-8668-45D4-96B3-96D263D70911 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B58FDD1F-4463-4A56-8551-81E1AAF012A9 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 918562C8-6CDE-4B4A-B5F6-B5467FAACE61 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B44606D2-124B-421E-A8F2-F87C32BFFD0C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| B9E550F3-BBBC-4F48-A000-2354EADAA712 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B36F3D16-76C5-4A76-9E59-2CAFCED0B432 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5B871BA0-073F-4037-B8CA-06398CFF8105 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 21B9BEAC-2A11-4EF1-937F-7834CAC09350 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 490A0F96-4093-45CC-AFF4-6092A39A406E | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 55BE1679-5FD6-4527-995C-1B18BDB68E20 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| CCFACB03-04DC-441D-8C77-C12E4C2410D5 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 546DADD7-A29E-4368-9F73-8B4A12C9F218 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 0654A239-FBF3-43F2-B2D3-C7F98203E967 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 25B6D5FF-D068-436F-8BF9-D8CB7C9A052F | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 863A536F-F6AD-4F5B-8EBE-D2C0E25F98C6 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| AD33B291-0E99-46DB-8C8F-BB5BA42E404D | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B01C2E86-CBA2-4BD7-AE5E-994DDD60BC1E | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B0E29DC5-DFEB-4F28-AFBC-0AEB35A38025 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| D4FEA818-9E0C-4BFF-AEDE-D1E5D90A100E | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| DBEEC309-5C9C-4F36-9F62-092B8CCE1F4B | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 917F4D98-971F-444F-918E-91394F8BA786 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| A6619D24-CC83-4A1F-9809-3C83657505DA | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | No | No | 25295 | XXXXXX | 7.0643 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2A77D4CE-DFED-4F62-9BCA-EF40A8CF578F | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| FA801461-C138-43CB-895D-170534C510CA | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5610EEDB-51FC-4D27-8993-B5B804E75BEA | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 57B0F5D9-A21B-4633-B5DB-0981C52516B4 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B716338E-E788-4996-BBE1-EB71B203667D | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| F2BC9651-02B2-48FE-97F3-89E51BC06FAD | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2B5B1CFE-59E4-473C-9827-619C202B3BC0 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 21C6E8A2-3624-451D-9D26-DC865891253C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| CB5DFD61-5991-44CE-9BFD-A93B8D4C050C | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 53DE8D27-5F52-4D72-90DC-463049AD9796 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| F52F52FA-9762-457F-82A9-35AA110EA3B0 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8DB39790-0CF5-4BAF-9988-524D97968074 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2ECE045E-6340-4F0B-BCC7-E914E22AAFED | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| D572C04E-4529-4F30-B3CE-01BE0CBB3322 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 19CDC625-B157-4565-A4CC-D5F91BE2F2FF | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 495CE241-85DB-4F81-BF4E-078F381677B4 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 26E9CBBC-AB46-44DA-9DC1-0E5CF18CA5DD | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | No | No | 7129.85 | XXXXXX | 7.2206 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2F180BE0-1081-4E47-8720-D33826109AA7 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| C15AB2AD-FC25-4F64-8AD8-16BCA0FBE3DE | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5ECE761A-11AD-4B2F-B22F-62CF9E54B7E4 | QM: Rebuttable Presumption (APOR) | XXXXXX | XXXXXX | XXXXXX | No | Yes | 10515 | XXXXXX | 7.8202 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| A342A044-35BB-4963-89C9-18DAB033C9FC | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | No | No | 11526.85 | XXXXXX | 6.7195 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 67DECCE3-264B-4145-BF92-3E3A6B172D2A | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| ADF7CA98-F267-4F6C-92BC-B196E28A3B78 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| FA321AC3-BF44-44EF-B874-4E33BFAF0FBD | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| A6A3806D-051B-49C9-AC64-452150F96DE6 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5711642F-846F-4F39-9C26-9A69213D379A | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| BCFB6F6A-2B0A-4495-B5C4-8F85B8FEA4E6 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7FB90AA7-C554-46CA-81D3-24E4FA3E1E54 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| AE876A38-6B9C-483A-8C6E-CE60A770AA99 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| BD474461-D79B-4787-9F67-A5CAA54E548D | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 90AAE42C-40B1-4071-9FE4-B1D89DD7A4F6 | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | No | No | 3981 | XXXXXX | 7.105 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 64DEAC72-2AD7-4AD6-A5B3-39E456DCEC79 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| EEF78D24-C8F8-438E-A55A-AA1A89898D05 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 315B6F96-4FC7-448B-A0A0-406BCF11B618 | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | No | No | 2410 | XXXXXX | 6.6684 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| C8127CCF-2C35-47E2-9831-3FC795068617 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2A3F6FA1-CF81-40C6-9C69-E5AD59BE9E2F | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 608F5EAB-CD8A-4D2D-B196-81EFF6099783 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| D7D1EDE0-B069-4A11-B71F-EFCB7CFAA443 | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | No | No | 1295 | XXXXXX | 7.1816 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 73450855-2E55-4CF2-9DB8-ED5738A8BE8A | QM: Rebuttable Presumption (APOR) | XXXXXX | XXXXXX | XXXXXX | No | Yes | 2410 | XXXXXX | 8.0899 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 0F4EDC0C-5DDE-492B-87A0-C1848CCC8761 | Non-QM: Lender documented all ATR UW factors | XXXXXX | XXXXXX | XXXXXX | No | No | 1715 | XXXXXX | 7.3511 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 50256844-C3AD-4910-9F3A-454494D5DB56 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2C91B522-85F9-405D-9AB9-FF879DB20D60 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| A5EE8068-BB0A-4052-A783-502F11D4BFF5 | ATR/QM: Exempt | XXXXXX | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.6

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **HOMES 2026-AFC1** |
| **Start - End Dates:** | **5/19/2023 - 1/23/2026** |
| **Deal Loan Count:** | **225** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *225* |
| ***Loans with Conditions:*** | *51* |

---

---

| |
|:---|
| **1 - Total Active Conditions** |
| **1 - Non-Material Conditions** |
| 1 - Property Valuations Review Scope |
| 1 - Category: Property |
| **61 - Total Satisfied Conditions** |
| 57 - Credit Review Scope |
| 14 - Category: Application |
| 3 - Category: Assets |
| 1 - Category: DTI |
| 2 - Category: Income/Employment |
| 6 - Category: Insurance |
| 7 - Category: Legal Documents |
| 1 - Category: LTV/CLTV |
| 23 - Category: Terms/Guidelines |
| 3 - Property Valuations Review Scope |
| 3 - Category: Property |
| 1 - Compliance Review Scope |
| 1 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.6

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **HOMES 2026-AFC1** |
| **Start - End Dates:** | **5/19/2023 - 1/23/2026** |
| **Deal Loan Count:** | **225** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *225* |
| ***Loans with Conditions:*** | *51* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub 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** |
| 7DFDEBCF-AA06-4824-ABDC-316E8017ACA1 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 64.22% / Max LTV 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence <br> for the past: XXX years |
| 0D1D3D5A-7C82-45A4-AFCB-0FF2472BBE92 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR > 1.00, DSCR 1.2835% |
| BB3AE470-00A1-40F6-B747-53A14CE61391 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 10 points below guideline maximum |
| 923591D0-B962-4CF6-B003-B6C509791DE7 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: LTV > 10 points below guideline maximum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x62<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $XXX or XXX months of PITI reserves Required PITI Reserves are $XXX X 3 months = $XXX |
| 702AFA68-2749-48AA-8EA7-D5808EE637C2 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers representative score is 711, minimum allowed is 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX months of P&I Required P&I Reserves are $XXX x 12 months = $XXX |
| E16542CE-544A-46EF-A175-0CED2EF8D3D1 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 181 points above guideline minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x79 |
| 8D66528B-642F-4341-9C67-264162087D4E | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing Automatic Payment Authorization (ACH) Form and Borrower Contact Information Form required by guideline for foreign nationals | 7/31/25 - Lender provided copies of the missing ACH Form, Contact Information sheet. | 7/31/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV >10 points below guideline maximum |
| 07F5F8FF-9D72-4763-9751-5545FE55C6FC | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 49.55 points below guideline maximum |
| 18AA1FFF-E5D1-42FB-915B-A9EE4E76C3FF | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Borrower is XXX, missing Borrowers Contact Information Form and Automatic Payment Authorization (ACH) Form required by the guideline | 6/6/25 - Lender provided a copy of the missing ACH Authorization Form. | 6/6/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum |
| 7EAC1C41-C3F4-449B-9D40-E30B3560C0D8 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing Automatic Payment Authorization (ACH) Form and Borrower Contact Information Form required by the guideline for Foreign Nationals. | 7/21/25 - Lender provided a copy of the ACH Payment Authorization form | 7/21/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 14.6 points below guideline maximum |
| F9E0EAB2-7447-4794-8A9B-5555D2B5F7C6 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Final CD XXX, Loan Calculation Section: Total of Payments disclosed as $XXX vs XXX Calculation of $XXX. Difference of $XXX. | 12/29/2025 - Client provided PCCD issued on XXX with lender paid cure of $XXX | 12/30/2025 - Exception satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years & XXX months at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 54570356-7BD2-4905-9376-40B3190729A8 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 15 points below guideline maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| FA810CA8-B510-48E4-A209-32244A9DAC76 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65% below guidelines foreign national max 70% |
| B5BC012A-64C3-4000-AA62-7B6F58145919 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 15 points below maximum guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 31 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x46<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 1D81E597-E959-4ACF-9280-2A9C4F06A1B8 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing supporting documentation gift funds received by borrower or Title Company at closing. Bank statements in file do not reflects borrower receiving funds and Final CD in file does not reflect a total of $XXX gift deposit. | 11/4/25 - Lender provided evidence of receipt of the wired gift funds being received. | 11/4/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has rented his primary residence for the past XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 34 points above guideline minimum of 660 |
| 369B131A-B632-4295-80DF-BCD59438766A | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date XXX disbursement date XXX | 11/6/25 - Lender provided an updated HOI reflecting coverage. | 11/6/25 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 44 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 10 points below guideline maximum |
| 369B131A-B632-4295-80DF-BCD59438766A | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing Final HUD-1 | 9/5/25 - Lender provided a copy of the missing HUD1. | 9/5/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 44 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 10 points below guideline maximum |
| 0DD0B0F3-59DE-4F43-B2C0-8654EA54E75B | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust Documents. | 12.26.2025- Client provided executed trust documents. Exception Satisfied | 12.26.2025- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Median FICO 30 points above guideline minimum of 700 |
| 07230017-7138-42B6-B740-C63EF7988433 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 9 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x68<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 02ADD4F4-8DEE-4E3E-946B-55F1ED9AECC5 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing HOI Policy for subject property, only Invoice and RCE in file | 10/20/25 - Lender provided a copy of the missing HOI Declaration page. | 10/20/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 50 months |
| 02ADD4F4-8DEE-4E3E-946B-55F1ED9AECC5 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust Docs from fileCertification in file is not completed | 10/20/25 - The lender provided a copy of the missing Trust Certification for The XXX Trust. | 10/20/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 50 months |
| EFCFF0CD-6407-40CB-8561-3436DA366FD9 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Automatic Payment Authorization (ACH) Form required by the guideline for XXX Borrower. | 9/11/25 - Lender provided a copy of the missing ACH Authorization form and contact information sheet. | 9/11/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum |
| 2A243089-0C80-4072-A147-32D3F3085483 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 111 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x99<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years at current residence |
| CF590C91-C8A0-46A6-868E-78A8E023C558 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing ACH form as required by guideline for Non Permanent Borrower. | 9/10/25 - Lender provided copies of the missing executed ACH Authorization form and a copy of the borrower contact sheet. | 9/10/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 80 points above guideline minimum of 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage History: 0 x 30 x 12 |
| 44D3320F-B8E3-4E8C-AC1B-4B555C778FBB | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 10 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years at current residence |
| 1ED73C37-0C21-45EE-B59C-172958AC6975 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Vesting is in name of XXX missing XXX documents | 10/31/25 - Lender provided a copy of the missing XXX reflecting both borrower as 100% owner of the XXX. | 10/31/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| B25882AA-C281-40AA-8B1E-6C113DED6B92 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $XXX or XXX months of PITI reserves Required PITI Reserves are $XXX X 3 months = $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 FICO exceeds minimum 700. |
| E22B8DB2-BE8F-4B4B-84E5-1AD9DFC8DE14 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 20 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 30 points above guideline minimum |
| E8D37EA9-B709-4A29-A0E2-7BD6F50C3862 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Borrower is XXX, missing borrower's ACH authorization form. | 10/30/25 - Lender provided a copy of the missing ACH Authorization form. | 10/30/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 20 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| F220393F-EDDA-4657-9D8C-CBBD7A44A829 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $XXX or XXX months of PITI reserves Required PITI Reserves are $XXX X 3 months = $XXX. |
| 966302F3-5952-4C12-B10C-4BC8C280F0A5 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 7 points below maximum guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 52 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the 3 months of required reserves |
| B97525F8-81B9-400E-A113-AC67A2CECF33 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 26423AB6-165E-48D9-BCC3-AD2CB8BBE174 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 23 points below maximum guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 FICO exceeds minimum 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves |
| F6572618-66DE-4E01-8C13-DDF09B85B76D | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 49 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x96 months positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 943F4C5F-FF2E-4B26-8BD8-668795D58D21 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 20 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| BC1DB050-B024-424D-B23C-911C535D780C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | 1- Borrower is XXX, missing ACH authorization form required by the guideline | 11/13/25 - Lender provided a copy of the missing executed ACH Authorization form | 11/13/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum |
| BC1DB050-B024-424D-B23C-911C535D780C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Terms/Guidelines | Satisfied B A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Vesting in in the name of XXX, XXX, missing XXX documents. | 11/13/25 - Lender provided a copy of the missing XXX documentation. | 11/13/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum |
| 79CA10A3-24F9-4D75-906E-B22139FF922C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing XXX Ops Agreement for XXXShowing borrower is 100% owner of XXX. | 10/24/25 - Lender provided a copy of the missing XXX reflecting the borrower to be 100% owner. | 10/24/25 - #xception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 26 points below maximum guideline 75% LTV.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Median FICO 37 points above guideline minimum of 700. |
| 925A663F-E968-4704-BC5F-A0449499FB66 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 16 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x73<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves |
| D79CEAA8-50C4-4A61-A540-F1442A4AF597 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 13 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x99<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| F31B18E8-DC7C-4965-8FC3-D9F3478494CC | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x64<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 99 points above guideline minimum of 700 |
| ECA38C72-22BF-4FEA-AAC3-FECB59BA0075 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insufficient coverage, policy is for $XXX, loan amount is $XXX | 12/2/25 - Lender provided evidence of 100% replacement costs coverage. | 12/2/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 31 points above guideline minimum of 700 |
| ECA38C72-22BF-4FEA-AAC3-FECB59BA0075 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | File missing HOI, Only Invoice from XXX in file. | 11/26/25 - Lender had provided copy of HOI in original loan package. | 11/26/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 31 points above guideline minimum of 700 |
| 8F0DA212-FB0A-4B9D-9B12-E30806D6B6D5 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned their primary for the past XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 53 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 39 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 39166211-D326-4363-A92F-8425E0E06CF0 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x99<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| D381C8B1-3C28-4CC1-BAC0-1A5351AB564C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing executed Borrowers purpose certification/Intent to proceed. Document in file is not executed. | 11/26/25 - Lender provided an executed copy o the Business Purposes Loan Certification. | 11/26/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 193 points above guideline minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum |
| B9FEC3E5-68D4-4F80-B542-7AA73438FDCA | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years at current residence |
| 14C4B9B3-1164-4A1B-8325-3D5A87AC4246 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 192 points above guideline minimum.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x82 months positive mortgage payment history meeting 12 month guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 276 positive consumer payment history meeting 12 month guideline requirement. |
| 8A1643E5-0051-4492-BA7C-325BE2F908BC | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score >100 points above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 109 months paid as agreed |
| B9FF9C53-E1DB-43F3-82E3-B4F13D7EF8D7 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Operatiang Agreement XXX(vesting) showing Members and Member % per guideline. | 10/23/25 - Lender provided a copy of the XXX showing the borrower is 100% owner of the XXX. | 10/23/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 10 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| 19549F82-FF4C-4E5A-81C5-7753F4C98F1C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| 1E480911-EF84-4CD8-9303-EE642DD0F4DF | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 17 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 0B0E2E3C-A910-4B41-8815-0D904F977AA5 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 5 points below guideline maximum |
| D14DC249-557C-4C64-A50E-260D4F803527 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 44 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x51 |
| 40CE5A96-1ED4-497B-AEE4-36F0960CA983 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing ACH Form as required by G/L's for all XXX Resident borrowersBorrower Information Form in file. | 10/28/25 - Lender provided a copy of the missing ACH Authorization form | 10/28/25 - Exception satiafied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been renting their primary residence for the past XXX years |
| B9F689FA-5622-416B-8099-26720E3A4990 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PTIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 20 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| 3901FA3B-0FD9-4516-91A7-06A4D02F27FD | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 179 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 5 points below guideline maximum |
| C170C6BC-1B88-4F77-BDC0-F48AACBEE40A | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 90 points above guideline minimum |
| 692B3A7E-B988-4574-AE97-BEEE73476B40 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Borrowers are XXX and Vesting and Business bank statements are in name of XXX Missing the following:1- Borrower's Contact Information and ACH Authorization form2- XXX Papers to verify ownership and borrower's interest in business | 10/27/25 - Lender provided a copy of the ACH Authorization form, but not the XXX documentation. Exception remains for a copy of the XXX - Lender provided copy of XXX Agreement showing each borrower has 50% ownership | 10.28.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITIA reserves above guideline minimum |
| E14334A9-9845-4E0F-9D50-2FB6CFB760D2 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| F9566781-BA09-42BC-A1B6-61C490CBF32E | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 47 points above guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 44 months |
| 0F78C1AF-16A4-44BF-8BDD-8411D828C2E7 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 12 points below maximum guideline.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 71 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 1C1E657E-AEDA-421A-9D87-754DA61D9449 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 5 points below guideline maximum |
| 432AEA22-1670-43A7-BFB2-3F59D5CB7F2E | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 95 points above guideline minimum of 700.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 12 |
| 4D430023-1B3A-4E00-84FF-8965B2A43EA5 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 672 FICO exceeds minimum 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $XXX or XXX months of PITI reserves Required PITI Reserves are $XXX X 3 months = $XXX. |
| 4D514553-CC11-41C4-AB52-EEC9184714BC | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 5 points below maximum guideline 80% LTV |
| 2EDF1392-0378-4D7C-A9E5-AA81325DFFAE | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 17 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x72<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 9EBC7F53-C6BF-4418-82BB-28FB6D433A9C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower's have resided in their primary for the last XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 87 points above guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 48 |
| 797678DF-EE06-4C59-AAA5-91CBD56CE0D4 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 15 points below maximum guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 3827B240-BEA3-4B30-AFFB-B508239C8BD3 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below maximum guideline of 75% |
| 0FFDF1D7-3075-4617-BA33-A00ACB0E3FBC | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| 1E850931-5FA2-4390-9C9F-98817620D2F8 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in primary for the past XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 60 points above guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 28 |
| 26E3E072-77DF-4EA4-B5B6-050DE31913F4 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 74 months |
| ACBCA305-DF4E-4151-8611-8A50F6FF5A84 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 FICO exceeds minimum 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 514CBEB7-E235-4458-930E-DA2718C9A369 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 FICO exceeds minimum 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $XXX or XXX months of PITI reserves Required PITI Reserves are $XXX X 3 months = $XXX. |
| AFB4BDDE-5920-4081-B63D-7F75980AEB6D | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 5F82D414-0F1B-4B6E-82DD-FF620E2BEC11 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 FICO exceeds minimum 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x71<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 954A4A4B-D344-495F-A041-02A0359CC9FE | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 20 points above guideline minimum<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Over $XXX reduction in subject's monthly P&I. |
| B9A810C6-576F-44EC-B444-F27C39140BED | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 5 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| 6DA45350-5549-4B47-AB96-45ACCAF74E8C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 30 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| 66252B0D-424C-4C74-8B14-D72C7328626F | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years at current residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x99<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 45 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX months of PITI reserves more than the XXX months of required reserves. |
| E4882BB0-67B6-4453-BB44-335C90D16829 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 24 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 400815D7-14FA-49F2-A126-FC84B17F428A | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 114 points above guideline minimum of 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| ADA04529-CC9D-45D8-9331-7D7D2B2DD352 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 13 points above guideline minimum of 700 |
| F2D296E2-97C4-461D-A15B-A6C00F579511 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 38 points below maximum guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 117 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x90<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 5BE1CA50-F21A-4EB7-B4B6-868C6350610C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 FICO exceeds minimum 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $XXX or XXX months of PITIA reserves Required PITIA Reserves are $XXX X 3 months = $XXX |
| 6A3DCDB0-89BE-4C74-B72D-1143EF9E5AA6 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 20 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| 6140320A-1E85-4886-B00E-753A8AB8A0C1 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower's have resided in their primary residence for the past XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 79 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 59 months |
| CFE9A4B7-0A50-4631-8FA3-C2292DB9AB63 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 10 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| 86E032DC-34F7-49E3-AAAC-C69EED4CDE66 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Borrower was to buy out the 2nd owner of property, XXX for $XXX. This Payoff is not showing on Final CD in file, Quit Claim is in file. However the $XXX is showing on the HUD settlement statement. | 11/7/25 - Lender provided a ALTA Settlement statement, but it does note designate any funds to go toward payoff/buyout of XXX Exception remains.11/11/25 - When you take the cash back to the borrower of $XXX from the CD, and deduct the amount paid to the borrower on the Alta statement of $XXX, you have the matching balance from the upper section of the ALTA statement being paid to XXX of $XXX. | 11/11/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 15 points above guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 35 months |
| 86E032DC-34F7-49E3-AAAC-C69EED4CDE66 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Terms/Guidelines | Satisfied B A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing XXX Ops Agreement showing Borrower is 100% owner XXX | 11/7/25 - Lender provided a copy of the missing XXX reflecting XXX as 100% owner. | 11/7/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 15 points above guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 35 months |
| FA7F2AFC-7F27-4AC0-AC72-FF5EFDF759D5 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below maximum guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 59 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 69053A83-0668-4605-A03A-C15B1D9D5072 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x85<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 92 points above guideline minimum of 700 |
| 7CB53CF7-AB67-435D-9B18-DDB6BE875FAC | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Over XXX years at current residence |
| 1B6560D5-87C5-400C-8FA5-2A8730393AAB | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust Docs or Trust Certification.Trust Certificate in file is not signed. | 12/8/25 - Lender provided a copy of the missing Trust Certification. | 12/8/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 8F0011CB-1999-434B-9028-85D8EC7061D7 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 41 points below maximum guideline of 80% LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 91 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves |
| C8530509-6C97-49D8-8E6C-D702A762EB72 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 50 points above guideline minimum of 700. |
| E6C268E2-E121-43FD-8408-A3034430FF1E | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX months PITI reserves above guideline minimum of XXX months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 68 points above guideline minimum of 700. |
| A7EE9A93-6EFA-439C-BF33-7ED9F145AD57 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 40 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 5 points below guideline maximum |
| EF4508EB-AEE0-43F1-866A-605E191222AF | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x63<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 FICO exceeds minimum 700. |
| 623FE8B2-17A3-4E1C-8EEB-29E9A7545051 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 30 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| 62C730FE-8DF3-4272-AAF1-0F26797D1431 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire, Project budget, project legal documents required by the guideline. | 10/31/25 - Lender provided evidence of FNMA approval, with this only the HOI is required. | 10/31/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score > 50 points above guideline minimum |
| A2FC5AAD-DE72-4462-82BF-430D632060A7 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 174 months paid as agreed |
| FC56AF09-89EB-471C-AF4E-D252FD85608E | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 15 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 FICO exceeds minimum 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 1A69DF87-888D-4D7F-AF2A-64895BF05A41 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 40 points above guideline minimum |
| 93D76B00-903A-4201-8089-226CA34D37F7 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned their primary for the past XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 116 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 77 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| D1ED8AE0-7673-4476-A236-8FBEFAF8CE5B | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing signed Business Purpose Loan Certification form.Document in file is not signed on page 286 | 11/4/25 - Lender provided a copy of the missing Business Purposes Loan Certification. | 11/4/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in their primary for the past XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 65 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 86 points above guideline minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 6211B053-A228-46E6-9F16-BB215EFC48BA | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is > 20 points above guideline minimum |
| E8B88C01-2D39-417B-BC6C-C924784661E2 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing Loan Detail Report | 11/19/25 - Lender provided a copy of the missing Loan Detail REport. | 11/19/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LVT 67% below max 70% for XXX |
| 1C5CCDD4-77AD-4B01-92F0-7B7D65FB8C24 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Vesting is in name of XXX Missing XXX documents | 12/1/25 - Lender provided a copy of the missing XXX | 12/1/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40 months paid as agreed |
| A3772AB4-5177-42BC-A75A-48948095B0B9 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Operating Agreement for XXX (vesting) reflecting Member(s) and ownership percentage(s) as required per guideline. | 10/27/25 - Lender provided a copy of the XXX reflecting the borrower to be 100% owner of the XXX> | 10/27/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 5.09 points below guideline maximum. |
| 7ECB8D49-0910-4FA2-8416-3B29BC037245 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 40 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| 4B594FF9-F78F-4C80-99C2-94219463B85C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 20 points below maximum guideline of 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| D520566A-C5E5-449C-9D8F-D9480F8D3257 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 27 points below maximum guideline.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 27 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x72<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 1577EDB2-2E42-4E04-8747-5982642E6E3C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 57 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| C0722D04-5103-4CD5-B980-8F11EB280BA2 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 27 points below maximum guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 44 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 473F85D6-0578-4C3D-88C0-E72B6F4B80DD | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Borrower is XXX, missing ACH authorization form and borrower's contact information required by the guideline | 11/6/25 - Lender provided a copy of the missing ACH Authorization form and contact information sheet. | 11/6/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 5 points below guideline maximum |
| 02D46CCD-B80B-4A7E-A4E8-8868E6946748 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x99<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 78 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the 3 months of required reserves |
| 9B8B89AF-30CE-49F7-90A9-B08DB30B032F | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 20 points below maximum guideline.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 4FE52C59-745A-4E8E-8F54-1CDA9867F8D9 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 90 points above guideline minimum |
| 7CF2F548-581E-43F0-939B-EEB6A53E4219 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 20 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| A96C8225-27CC-4AF1-9186-C4F1D36A44EC | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 106 points above guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x48 months positive consumer debt payments meeting 12 month guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 0E749DA0-C539-4C03-BC09-4DC28124BC72 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x99<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 86 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 2E509304-AAD8-41C6-951E-5DDF9F3DEE1A | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years at current residence |
| 2B47B400-A5A3-4BE3-9FAC-102EFFCFB4B2 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years at current residence |
| 99BEBE5C-62C9-46EC-8240-C73546757017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Ops Agreement showing borrower is 100% owner of XXX | 11/10/25 - Lender provided a copy of the missing XXX reflecting the borrower to be 100% owner of the XXX. | 11/10/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower's have owned their primary for the last XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $XXX or XXX months of PITIA reserves exceed required PITIA Reserves are $XXX x 3 = $XXX |
| FD3B1CE6-0C3C-4F49-A8AB-D493714CF3C4 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 80 points above guideline minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 6 points below maximum guideline. |
| E36048F8-9036-4959-AC16-040CE6339FFA | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Questionnaire, project budget, project legal documents | 11/26/25 - Upon further review, with the complex being FNMA approved, only HOI is required. | 11/26/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 20 points above guideline minimum |
| 61EE087A-6C88-4A33-83F5-A374E26F5C5A | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 2428D632-E407-42AD-9396-C2330FE7C648 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 113 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 89A64F86-A90B-4A42-BFC1-A9D17CD9D55F | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 30 points above guideline minimum of 700. |
| 3B4F5F80-5ADE-4CAA-B151-DC65ABE722C0 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 5 points below guideline maximum |
| 7DDE50EB-66E5-4846-8832-F13C2B680093 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x82 |
| 3AE6DE5A-8B07-4CA6-A0C0-2D3394A5D8B8 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 30 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| E941AFAB-D844-41FA-8AC4-D38F7A312394 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 112 points above guideline minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 901BAFC2-B02E-4BDF-A410-FB9FBF27E9E7 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History 0x30x60<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 91 points above guideline minimum of 700 |
| CD1380AD-4376-4BB9-909B-154C19CC9E1A | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 20 points below maximum guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| E1CBBB73-F3AF-473A-8041-A66273AA5EB1 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years & XXX months at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x62<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 21 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 7D6CC044-101A-4936-9449-A94BEC3541BF | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x52<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 46 points above guideline minimum of 700 |
| 39B1B89F-927D-4DA6-8F75-90B95015ED84 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 24 points below maximum guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 87 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 8217546B-60AF-43F6-B53E-7828E2B5554B | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Borrowers are XXX, missing contact information form and ACH Authorization form required by the guideline | 10/27/25 - Lender provided copies of the missing ACH Authorization form and the Borrower contact information sheet. | 10/27/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITIA reserves above guideline minimum |
| 47366040-2B03-4329-8FEE-053451710C86 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has satisfactory/ multiple mortgage history since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 10 points above guideline minimum |
| 2B39BE40-95AA-438F-B7DE-8ED8C691F1C6 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 30 points above guideline minimum |
| 42124EBB-C8BB-4E29-AA29-D67883526D88 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 36 points below maximum guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 52 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0x30x99<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| B022C736-7BD3-4D42-9CFA-45B893D4EA5C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 5% below guideline requirement |
| CF1E4647-A6D5-441F-B08B-AF41E1344A09 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below maximum guideline.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x74<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| D7FA0886-3053-4319-AD2F-83628FD3CA14 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | Credit | Terms/Guidelines | Satisfied B A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Operating Agreement for XXX (vesting) reflecting Member(s) and Member(s) percentage of company owned as required per guideline. | 12.30.2025- Client provided OA. Exception satisfied | 12.30.2025- Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x168 months positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x44 months positive mortgage payment history meeting 12 month guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 7D5438A8-10BF-41D9-BB53-970BC34094C9 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower's have resided in their primary residence for the past XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 91 points above guideline minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 38 points below maximum guideline of 80% LTV. |
| 7C3475D3-9E67-4CF8-AC69-96B113A90DA5 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| 4F4A4C42-1156-421B-B627-CCEDCB4994B0 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 116 points above guideline minimum of 700. |
| BE73DC6B-738D-4FE8-A522-2B478B040D51 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x91<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 110 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| FC0F4425-E3CA-4EF4-A8DE-BDEED6CBF750 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 98 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x58<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| A57C92E9-591D-405A-B5BB-2049C1C310AC | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 20 points below maximum guideline.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 90 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| AB8B17F1-917D-4467-BF57-5C38300C6A7F | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| 307DA809-4A9C-4FD3-A233-263192AD8409 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum |
| B3D53C04-77D6-43AC-B587-F961752D7096 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Missing signed ACH Form as required by G/L's | 10.28.2025 Rec'd borrower's ACH Form and Borrower Information form | 10.28.2025 - Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXXmonths of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 FICO exceeds minimum 700. |
| F5ADE851-C9B7-4ED8-A213-10419873D8DB | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below maximum guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 35 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| AC479507-9EED-49D2-8094-0F8791272979 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 15 points below maximum guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 11 points above guideline minimum of 660 |
| F79706F6-D5D4-4765-9512-9F058CD981F6 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years at current residence |
| CD9CE262-B0D9-48F4-80D4-F60922E4DF7C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 20 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x99<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 100 points above guideline minimum of 700 |
| 4893EC26-E926-439D-9685-1C8B3B06B667 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x99<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary for the past XXX years |
| FDCA39EB-80FA-442B-8F1C-B163371E572B | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below maximum guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 99 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 908F98A6-C1E3-4B80-AD81-A2A2F7EA20EE | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 89 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 000EF31F-3D0E-4ED3-9BF1-7D95AB97EF4F | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 48 points above guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x47 months positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| A6FC571B-4D4E-40BD-AD16-93EDDBC4C413 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 180 points above guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x115 months positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x25 months positive mortgage payment history meeting 12 month guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| B8099A0F-8668-45D4-96B3-96D263D70911 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 55 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| B58FDD1F-4463-4A56-8551-81E1AAF012A9 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 5 points below maximum guideline 70% LYV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 918562C8-6CDE-4B4A-B5F6-B5467FAACE61 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned her primary residence for the past XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 12 months |
| B44606D2-124B-421E-A8F2-F87C32BFFD0C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| B9E550F3-BBBC-4F48-A000-2354EADAA712 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 80 points above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 24 months paid as agreed |
| B36F3D16-76C5-4A76-9E59-2CAFCED0B432 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 40 points above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39 months paid as agreed. |
| 5B871BA0-073F-4037-B8CA-06398CFF8105 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Operating Agreement for XXX (vesting) reflecting Member(s) and Member(s) %. | 11/26/25 - Lender provided a copy of the missing Operating agreement for XXX | 11/26/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 8 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO is greater than 153 points above guideline minimum.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x48 months positive mortgage payment history meeting 12 month guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x141 months positive consumer payment history meeting 12 month guideline requirement. |
| 21B9BEAC-2A11-4EF1-937F-7834CAC09350 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 15 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 159 points above guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x141 months positive consumer payment history.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x50 months positive mortgage payment history meeting 12 month guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 490A0F96-4093-45CC-AFF4-6092A39A406E | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 72 points above guideline minimum of 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower Rental History: 0 x 30 x 12<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 55BE1679-5FD6-4527-995C-1B18BDB68E20 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 31 points above guideline minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 5 points below maximum guideline 80%. |
| CCFACB03-04DC-441D-8C77-C12E4C2410D5 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 20 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| 546DADD7-A29E-4368-9F73-8B4A12C9F218 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 109 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 12 (P/O in 8/2024)<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 0654A239-FBF3-43F2-B2D3-C7F98203E967 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 26.6 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 141 points above guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x142 positive monthly consumer debts meeting 12 month guideline requirement.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x20 positive mortgage payment history meeting 12 month guideline requirement. |
| 25B6D5FF-D068-436F-8BF9-D8CB7C9A052F | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below maximum guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 24 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x82<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 863A536F-F6AD-4F5B-8EBE-D2C0E25F98C6 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | Credit | Application | Satisfied B A | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | Missing 3rd-party anti-fraud report. (XXX Report) | 12/1/25 - Lender provided a copy of the missing XXX report. | 12/1/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITIA reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 5 points below guideline maximum |
| AD33B291-0E99-46DB-8C8F-BB5BA42E404D | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Over XXX years at current residence |
| B01C2E86-CBA2-4BD7-AE5E-994DDD60BC1E | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 139 points above guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| B0E29DC5-DFEB-4F28-AFBC-0AEB35A38025 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| D4FEA818-9E0C-4BFF-AEDE-D1E5D90A100E | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 150 points above guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x258 months positive consumer payments meeting 12 month guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| DBEEC309-5C9C-4F36-9F62-092B8CCE1F4B | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x60<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 60 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves |
| 917F4D98-971F-444F-918E-91394F8BA786 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Median FICO 7 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x99<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 114 points above guideline minimum of 700 |
| A6619D24-CC83-4A1F-9809-3C83657505DA | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Terms/Guidelines | Satisfied B A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Lenders loan approval/form 1008 reflecting DTIs 39.74 / 43.04%. Lender used taxes based on sellers past due taxes of $XXX /12 = $XXX. Tax report reflects taxes based on purchase price of $XXX reflecting annual taxes of $XXX or $XXX which is also confirmed on Final CD. DTI is still within guideline of 50%. | 11/26/25 - Lender provided the correct 1008. | 11/26/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 147 points above guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x47 months positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI is > 6.96 points below guideline maximum. |
| 2A77D4CE-DFED-4F62-9BCA-EF40A8CF578F | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 17 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x99<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| FA801461-C138-43CB-895D-170534C510CA | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 75 points above guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 36 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 5610EEDB-51FC-4D27-8993-B5B804E75BEA | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 26 points above guideline minimum of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 20 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x53 |
| 57B0F5D9-A21B-4633-B5DB-0981C52516B4 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | 1- Vesting in in the name of XXX. Missing XXX documents2- Missing Fraud Report | 12/4/25 - Lender provided a copy of the missing XXX. Missing the Fraud report. Exception remains.12/5/25 - Lender provided a copy of the missing Data Verify report. | 15/5/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 20 above guideline minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX years at current residence |
| B716338E-E788-4996-BBE1-EB71B203667D | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 30 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x99<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 97 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| F2BC9651-02B2-48FE-97F3-89E51BC06FAD | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score >90 points above guideline minimum |
| 2B5B1CFE-59E4-473C-9827-619C202B3BC0 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing Hazard insurance effective at time of Loan Disbursement XXX. HOI in file reflects Effective XXX. | 12.11.2025- Lender provided prior HOI policy with acceptable coverage dates. Exception Satisified | 12.11.2025- Exception Satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in their primary residence for the past XXX years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below maximum guideline of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 94 points above guideline minimum of 700 |
| 21C6E8A2-3624-451D-9D26-DC865891253C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 71 points above guideline minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 20 points below maximum guideline 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| CB5DFD61-5991-44CE-9BFD-A93B8D4C050C | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower mortgage payment 0x30x82<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 53DE8D27-5F52-4D72-90DC-463049AD9796 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 5 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 101 points above guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x21 months positive consumer payment history meeting 12 month guideline requirement. |
| F52F52FA-9762-457F-82A9-35AA110EA3B0 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 57 points below maximum guideline of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 100 points above guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 42 months |
| 8DB39790-0CF5-4BAF-9988-524D97968074 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 10 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 197 points above guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x350 months positive consumer payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 2ECE045E-6340-4F0B-BCC7-E914E22AAFED | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 100 points above guideline minimum of 700. |
| D572C04E-4529-4F30-B3CE-01BE0CBB3322 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 5 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Cerdit score > 50 points above guideline minimum |
| 19CDC625-B157-4565-A4CC-D5F91BE2F2FF | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 19 points above guideline minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in their primary for the past XXX years |
| 495CE241-85DB-4F81-BF4E-078F381677B4 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 24 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the XXX months of required reserves. |
| 26E9CBBC-AB46-44DA-9DC1-0E5CF18CA5DD | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 30 points above guideline requirement.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI is > 7.54 points below guideline maximum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > XXX points below guideline maximum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x33 months positive consumer payment history meeting 12 month guideline requirement. |
| 2F180BE0-1081-4E47-8720-D33826109AA7 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Operating Agreement for XXX (vesting) with member(s) and ownership percentage(s) required per guideline. | 12/5/25 - Lender provided a copy of Operating Agreement for XXX | 12/5/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 10 points below guideline maximum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x99 months positive mortgage payment history meeting 12 month guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x50 months positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 152 points above guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 2F180BE0-1081-4E47-8720-D33826109AA7 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing XXX (FNMA approval thru PERS) per Final 1008. | 12/5/25 - Per XXX, if the complex is FNMA approved, only HOI is required, project has met FNMA guidelines. | 12/5/25 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 10 points below guideline maximum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x99 months positive mortgage payment history meeting 12 month guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x50 months positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 152 points above guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| C15AB2AD-FC25-4F64-8AD8-16BCA0FBE3DE | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 40 points above guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 5ECE761A-11AD-4B2F-B22F-62CF9E54B7E4 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Borrower is non permanent residence, missing Automatic Payment Authorization (ACH) required by the guideline. | 12.11.2025- Lender provided original signed ACH form dated XXX. Exception Satisfied | 12.11.2025- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI > 20 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| A342A044-35BB-4963-89C9-18DAB033C9FC | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI > 25 points below guideline maximum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 5 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > points above guideline minimum |
| 67DECCE3-264B-4145-BF92-3E3A6B172D2A | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 5 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 89 points above guideline requirement<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x87 positive consumer payment history meeting 12 month guideline requirement. |
| ADF7CA98-F267-4F6C-92BC-B196E28A3B78 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 21.67 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 153 points above guideline requirement.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x99 months positive mortgage payment history meeting 12 month guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x355 months positive consumer payment history meeting 12 month guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| FA321AC3-BF44-44EF-B874-4E33BFAF0FBD | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 161 points above guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x119 positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x38 positive mortgage payment history meeting 12 month guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| A6A3806D-051B-49C9-AC64-452150F96DE6 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's middle fico score of 801 is 161 points above guideline minimum of 640 fico score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The borrower has not had any 30-day, 60-day, 90-day or 120 day late payments on all Mortgage Accounts for the last 56 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The borrower has not had any 30-day, 60-day, 90-day or 120 day late payments on all consumer accounts for the last 189 months. |
| 5711642F-846F-4F39-9C26-9A69213D379A | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Missing Certification of Trust / Trust Documents. Loan Closed in XXX Trust dated XXX | 12.23.2025- Client provided executed trust documents. Exception Satisfied | 12.23.2025- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 10 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 112 points above guideline requirement.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x42 months positive mortgage payment history meeting 12 month guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x380 months positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| BCFB6F6A-2B0A-4495-B5C4-8F85B8FEA4E6 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Missing Executed Trust Documents. | 12.30.2025- Client provided executed trust documents. Exception Satisfied | 12.30.2025- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITI reserves more than the months of required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 19 points above guideline minimum of 700 |
| 7FB90AA7-C554-46CA-81D3-24E4FA3E1E54 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV >20 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| AE876A38-6B9C-483A-8C6E-CE60A770AA99 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing PITI information for XXXIn file is an HOI Policy with only borrower's name listed as insured party, with no additional information.Property needs to be added 1003 Schedule of R.E as well. | 10/21/25 - Upon further review, the XXX address is the XXXnd unit on the subject property, but because the unit faces the side street, it has a different address, so no separate listing on the 1003 is required since it is part of the subject property as listed on the appraisal. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for the past XXX years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below maximum guideline.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 65 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 42 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower's DTI is 11 point below maximum allowed of 49% |
| BD474461-D79B-4787-9F67-A5CAA54E548D | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 37.92 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 55 points above guideline minimum.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x97 months positive mortgage payment history meeting 12 month guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| 90AAE42C-40B1-4071-9FE4-B1D89DD7A4F6 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | File missing B1 VVOE doc | 11/13/25 - Lender provided a copy of the missing VVOE. | 11/13/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has XXX years & XXX months at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 100 points above guideline minimum of 700 |
| 90AAE42C-40B1-4071-9FE4-B1D89DD7A4F6 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's loan approval/underwriting form 1008 doc | 11/13/25 - Lender provided a copy of the missing 1008. | 11/13/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has XXX years & XXX months at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 100 points above guideline minimum of 700 |
| 64DEAC72-2AD7-4AD6-A5B3-39E456DCEC79 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's loan approval/underwriting form/ 1008 | 10.28.2025 - Lender provided 1008 | 10.28.2025 - Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| EEF78D24-C8F8-438E-A55A-AA1A89898D05 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | LTV/CLTV | Satisfied C A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV with a DCR% of 0.8886 is 70%Actual LTV is 75% (NOTE: DSCR difference is in the property taxes. Tax bill in file annual taxes are $XXX, Lender used annual taxes of $XXX) | 10/17/25 - Upon further review, the XXX assessment payoff allows the DSCR calculation to be at 1.0172% | Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 40 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has rented their primary address for the last XXX yrs |
| EEF78D24-C8F8-438E-A55A-AA1A89898D05 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing final 1008 | 10/15/25 Client provided 1008 reflecting loan amount $XXX/AIV $XXX with LTV 75%. | 10/15/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 40 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has rented their primary address for the last XXX yrs |
| 315B6F96-4FC7-448B-A0A0-406BCF11B618 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing XXX Rent Est. for XXX | 10/15/25 Client provided XXX Zestimate for XXX | 10/15/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History:0 x 30 x 52 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 100 points above guideline minimum of 700. |
| C8127CCF-2C35-47E2-9831-3FC795068617 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | Credit | Terms/Guidelines | Satisfied B A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Title Vested in XXX, missing XXX Ops Agreement for XXX showing borrower is 100% owner of XXX | 10.28.2025 Received Ops Agreement for XXX showing borrower 100% owner | 10.28.2025 - Exception Satisifed | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 95 points above guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage History: 0 x 30 x 27 months |
| 2A3F6FA1-CF81-40C6-9C69-E5AD59BE9E2F | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Mortgage statement in file for property located at XXX. Missing from Final 1003 and missing property report. | 10/22/25 - Lender provided copies of the missing Property report on XXX and have also added it to a revised copy of the final 1003. | 10/22/2025 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in their primary for the past XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's has XXX months of PITIA reserves more than the XXX months of required reserves. |
| 608F5EAB-CD8A-4D2D-B196-81EFF6099783 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 137 points above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 25 points below guideline maximum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x180 months positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. |
| D7D1EDE0-B069-4A11-B71F-EFCB7CFAA443 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 5 points below guideline maximum |
| 73450855-2E55-4CF2-9DB8-ED5738A8BE8A | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) B | Credit | Terms/Guidelines | Satisfied B A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing XXX License required for XXX | 10.28.2025 Received copy of borrower's XXX license | 10.28.2025 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 76 points above guideline minimum of 700 |
| 0F4EDC0C-5DDE-492B-87A0-C1848CCC8761 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing Retirement bank statement as reflected on Final 1003 to support $XXX for reserves. | 11/26/25 - Lender provided a copy of Borrower's IRA with $XXX value. | 11/26/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for XXX years and XXX month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 32.26 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO >122 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x320 months positive consumer debt payment meeting guideline minimum of 12 months. |
| 0F4EDC0C-5DDE-492B-87A0-C1848CCC8761 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing Gift Letter or supporting document funds to close are from borrower. Cashier check and receipt in file for funds to close of $XXX reflect the remitter as XXX who is not borrower. | 12/2/25 - Lender provided documentation supporting the $XXX gift. | 12/2/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for XXX years and XXX month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 32.26 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO >122 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x320 months positive consumer debt payment meeting guideline minimum of 12 months. |
| 0F4EDC0C-5DDE-492B-87A0-C1848CCC8761 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | Credit | Legal Documents | Satisfied D A | CRDLGL225 | Missing Rider | No | Missing XXX and Environmental Rider per Mortgage. | 11/26/25 - Lender provided a copy of a revised Mortgage with no additional riders. | 11/26/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for XXX years and XXX month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 32.26 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO >122 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x320 months positive consumer debt payment meeting guideline minimum of 12 months. |
| 0F4EDC0C-5DDE-492B-87A0-C1848CCC8761 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | Property Valuations | Property | Active C B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Missing pre-approval from Lender, subject property is XXX acres. Per guideline properties exceeding XXX acres require pre-approval. | (No Data) | 12/3/25 - Based upon the following: 1 Significant time at current residence XXX years XXX month at current residence. 2 LTV Below guideline requirements Guidelines at 65%, file at 42.74% = 22.26 points below guidelines. 3 Credit Score Exceeds guidelines Median FICO > 82 points above minimum. 4 Consumer credit history exceeds guidelines Borrower has 0x30x320 positive debt payment exceeding the required 12 months. The exception is deemed a non-material B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for XXX years and XXX month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 32.26 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO >122 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x320 months positive consumer debt payment meeting guideline minimum of 12 months. |
| 50256844-C3AD-4910-9F3A-454494D5DB56 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 40 points above guideline minimum<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI > 30 points below guideline maximum |
| 2C91B522-85F9-405D-9AB9-FF879DB20D60 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITIA reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 10 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| A5EE8068-BB0A-4052-A783-502F11D4BFF5 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI Effective Date: XXXCD Disbursement Date: XXX | 10/13/2025 Client responded: HOI - XXX which is prior to funded date of XXX.10/13/2025 CD provided in file is dated XXX with disbursement date of XXX, hazard binder is effective XXX. 10/23/25 - Lender provided a revised HOI policy with a effective date of XXX | 10/13/2025 Exception remains. 10/23/25 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 53 points below maximum guideline 80% LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 22 points above guideline minimum of 700 |

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## Exhibit 99.6

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **HOMES 2026-AFC1** |
| **Start - End Dates:** | **5/19/2023 - 1/23/2026** |
| **Deal Loan Count:** | **225** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *225* |
| ***Loans with Conditions:*** | *51* |

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| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 7DFDEBCF-AA06-4824-ABDC-316E8017ACA1 | XXXXXX | XXXXXX A | Not Applicable |
| 0D1D3D5A-7C82-45A4-AFCB-0FF2472BBE92 | XXXXXX | XXXXXX A | Not Applicable |
| BB3AE470-00A1-40F6-B747-53A14CE61391 | XXXXXX | XXXXXX A | Not Applicable |
| 923591D0-B962-4CF6-B003-B6C509791DE7 | XXXXXX | XXXXXX A | Not Applicable |
| 702AFA68-2749-48AA-8EA7-D5808EE637C2 | XXXXXX | XXXXXX A | Not Applicable |
| E16542CE-544A-46EF-A175-0CED2EF8D3D1 | XXXXXX | XXXXXX A | Not Applicable |
| 8D66528B-642F-4341-9C67-264162087D4E | XXXXXX | XXXXXX D A | Not Applicable |
| 07F5F8FF-9D72-4763-9751-5545FE55C6FC | XXXXXX | XXXXXX A | Not Applicable |
| 18AA1FFF-E5D1-42FB-915B-A9EE4E76C3FF | XXXXXX | XXXXXX C A | Not Applicable |
| 7EAC1C41-C3F4-449B-9D40-E30B3560C0D8 | XXXXXX | XXXXXX D A | Not Applicable |
| F9E0EAB2-7447-4794-8A9B-5555D2B5F7C6 | XXXXXX | XXXXXX C A | Not Applicable |
| 54570356-7BD2-4905-9376-40B3190729A8 | XXXXXX | XXXXXX A | Not Applicable |
| FA810CA8-B510-48E4-A209-32244A9DAC76 | XXXXXX | XXXXXX A | Not Applicable |
| B5BC012A-64C3-4000-AA62-7B6F58145919 | XXXXXX | XXXXXX A | Not Applicable |
| 1D81E597-E959-4ACF-9280-2A9C4F06A1B8 | XXXXXX | XXXXXX D A | Not Applicable |
| 369B131A-B632-4295-80DF-BCD59438766A | XXXXXX | XXXXXX D A | Not Applicable |
| 0DD0B0F3-59DE-4F43-B2C0-8654EA54E75B | XXXXXX | XXXXXX D A | Not Applicable |
| 07230017-7138-42B6-B740-C63EF7988433 | XXXXXX | XXXXXX A | Not Applicable |
| 02ADD4F4-8DEE-4E3E-946B-55F1ED9AECC5 | XXXXXX | XXXXXX D A | Not Applicable |
| EFCFF0CD-6407-40CB-8561-3436DA366FD9 | XXXXXX | XXXXXX C A | Not Applicable |
| 2A243089-0C80-4072-A147-32D3F3085483 | XXXXXX | XXXXXX A | Not Applicable |
| CF590C91-C8A0-46A6-868E-78A8E023C558 | XXXXXX | XXXXXX C A | Not Applicable |
| 44D3320F-B8E3-4E8C-AC1B-4B555C778FBB | XXXXXX | XXXXXX A | Not Applicable |
| 1ED73C37-0C21-45EE-B59C-172958AC6975 | XXXXXX | XXXXXX D A | Not Applicable |
| B25882AA-C281-40AA-8B1E-6C113DED6B92 | XXXXXX | XXXXXX A | Not Applicable |
| E22B8DB2-BE8F-4B4B-84E5-1AD9DFC8DE14 | XXXXXX | XXXXXX A | Not Applicable |
| E8D37EA9-B709-4A29-A0E2-7BD6F50C3862 | XXXXXX | XXXXXX D A | Not Applicable |
| F220393F-EDDA-4657-9D8C-CBBD7A44A829 | XXXXXX | XXXXXX A | Not Applicable |
| 966302F3-5952-4C12-B10C-4BC8C280F0A5 | XXXXXX | XXXXXX A | Not Applicable |
| B97525F8-81B9-400E-A113-AC67A2CECF33 | XXXXXX | XXXXXX A | Not Applicable |
| 26423AB6-165E-48D9-BCC3-AD2CB8BBE174 | XXXXXX | XXXXXX A | Not Applicable |
| F6572618-66DE-4E01-8C13-DDF09B85B76D | XXXXXX | XXXXXX A | Not Applicable |
| 943F4C5F-FF2E-4B26-8BD8-668795D58D21 | XXXXXX | XXXXXX A | Not Applicable |
| BC1DB050-B024-424D-B23C-911C535D780C | XXXXXX | XXXXXX D A | Not Applicable |
| 79CA10A3-24F9-4D75-906E-B22139FF922C | XXXXXX | XXXXXX C A | Not Applicable |
| 925A663F-E968-4704-BC5F-A0449499FB66 | XXXXXX | XXXXXX A | Not Applicable |
| D79CEAA8-50C4-4A61-A540-F1442A4AF597 | XXXXXX | XXXXXX A | Not Applicable |
| F31B18E8-DC7C-4965-8FC3-D9F3478494CC | XXXXXX | XXXXXX A | Not Applicable |
| ECA38C72-22BF-4FEA-AAC3-FECB59BA0075 | XXXXXX | XXXXXX D A | Not Applicable |
| 8F0DA212-FB0A-4B9D-9B12-E30806D6B6D5 | XXXXXX | XXXXXX A | Not Applicable |
| 39166211-D326-4363-A92F-8425E0E06CF0 | XXXXXX | XXXXXX A | Not Applicable |
| D381C8B1-3C28-4CC1-BAC0-1A5351AB564C | XXXXXX | XXXXXX C A | Not Applicable |
| B9FEC3E5-68D4-4F80-B542-7AA73438FDCA | XXXXXX | XXXXXX A | Not Applicable |
| 14C4B9B3-1164-4A1B-8325-3D5A87AC4246 | XXXXXX | XXXXXX A | Not Applicable |
| 8A1643E5-0051-4492-BA7C-325BE2F908BC | XXXXXX | XXXXXX A | Not Applicable |
| B9FF9C53-E1DB-43F3-82E3-B4F13D7EF8D7 | XXXXXX | XXXXXX C A | Not Applicable |
| 19549F82-FF4C-4E5A-81C5-7753F4C98F1C | XXXXXX | XXXXXX A | Not Applicable |
| 1E480911-EF84-4CD8-9303-EE642DD0F4DF | XXXXXX | XXXXXX A | Not Applicable |
| 0B0E2E3C-A910-4B41-8815-0D904F977AA5 | XXXXXX | XXXXXX A | Not Applicable |
| D14DC249-557C-4C64-A50E-260D4F803527 | XXXXXX | XXXXXX A | Not Applicable |
| 40CE5A96-1ED4-497B-AEE4-36F0960CA983 | XXXXXX | XXXXXX C A | Not Applicable |
| B9F689FA-5622-416B-8099-26720E3A4990 | XXXXXX | XXXXXX A | Not Applicable |
| 3901FA3B-0FD9-4516-91A7-06A4D02F27FD | XXXXXX | XXXXXX A | Not Applicable |
| C170C6BC-1B88-4F77-BDC0-F48AACBEE40A | XXXXXX | XXXXXX A | Not Applicable |
| 692B3A7E-B988-4574-AE97-BEEE73476B40 | XXXXXX | XXXXXX D A | Not Applicable |
| E14334A9-9845-4E0F-9D50-2FB6CFB760D2 | XXXXXX | XXXXXX A | Not Applicable |
| F9566781-BA09-42BC-A1B6-61C490CBF32E | XXXXXX | XXXXXX A | Not Applicable |
| 0F78C1AF-16A4-44BF-8BDD-8411D828C2E7 | XXXXXX | XXXXXX A | Not Applicable |
| 1C1E657E-AEDA-421A-9D87-754DA61D9449 | XXXXXX | XXXXXX A | Not Applicable |
| 432AEA22-1670-43A7-BFB2-3F59D5CB7F2E | XXXXXX | XXXXXX A | Not Applicable |
| 4D430023-1B3A-4E00-84FF-8965B2A43EA5 | XXXXXX | XXXXXX A | Not Applicable |
| 4D514553-CC11-41C4-AB52-EEC9184714BC | XXXXXX | XXXXXX A | Not Applicable |
| 2EDF1392-0378-4D7C-A9E5-AA81325DFFAE | XXXXXX | XXXXXX A | Not Applicable |
| 9EBC7F53-C6BF-4418-82BB-28FB6D433A9C | XXXXXX | XXXXXX A | Not Applicable |
| 797678DF-EE06-4C59-AAA5-91CBD56CE0D4 | XXXXXX | XXXXXX A | Not Applicable |
| 3827B240-BEA3-4B30-AFFB-B508239C8BD3 | XXXXXX | XXXXXX A | Not Applicable |
| 0FFDF1D7-3075-4617-BA33-A00ACB0E3FBC | XXXXXX | XXXXXX A | No |
| 1E850931-5FA2-4390-9C9F-98817620D2F8 | XXXXXX | XXXXXX A | Not Applicable |
| 26E3E072-77DF-4EA4-B5B6-050DE31913F4 | XXXXXX | XXXXXX A | Not Applicable |
| ACBCA305-DF4E-4151-8611-8A50F6FF5A84 | XXXXXX | XXXXXX A | Not Applicable |
| 514CBEB7-E235-4458-930E-DA2718C9A369 | XXXXXX | XXXXXX A | Not Applicable |
| AFB4BDDE-5920-4081-B63D-7F75980AEB6D | XXXXXX | XXXXXX A | Not Applicable |
| 5F82D414-0F1B-4B6E-82DD-FF620E2BEC11 | XXXXXX | XXXXXX A | Not Applicable |
| 954A4A4B-D344-495F-A041-02A0359CC9FE | XXXXXX | XXXXXX A | Not Applicable |
| B9A810C6-576F-44EC-B444-F27C39140BED | XXXXXX | XXXXXX A | Not Applicable |
| 6DA45350-5549-4B47-AB96-45ACCAF74E8C | XXXXXX | XXXXXX A | Not Applicable |
| 66252B0D-424C-4C74-8B14-D72C7328626F | XXXXXX | XXXXXX A | Not Applicable |
| E4882BB0-67B6-4453-BB44-335C90D16829 | XXXXXX | XXXXXX A | Not Applicable |
| 400815D7-14FA-49F2-A126-FC84B17F428A | XXXXXX | XXXXXX A | Not Applicable |
| ADA04529-CC9D-45D8-9331-7D7D2B2DD352 | XXXXXX | XXXXXX A | Not Applicable |
| F2D296E2-97C4-461D-A15B-A6C00F579511 | XXXXXX | XXXXXX A | Not Applicable |
| 5BE1CA50-F21A-4EB7-B4B6-868C6350610C | XXXXXX | XXXXXX A | Not Applicable |
| 6A3DCDB0-89BE-4C74-B72D-1143EF9E5AA6 | XXXXXX | XXXXXX A | Not Applicable |
| 6140320A-1E85-4886-B00E-753A8AB8A0C1 | XXXXXX | XXXXXX A | Not Applicable |
| CFE9A4B7-0A50-4631-8FA3-C2292DB9AB63 | XXXXXX | XXXXXX A | Not Applicable |
| 86E032DC-34F7-49E3-AAAC-C69EED4CDE66 | XXXXXX | XXXXXX D A | Not Applicable |
| FA7F2AFC-7F27-4AC0-AC72-FF5EFDF759D5 | XXXXXX | XXXXXX A | Not Applicable |
| 69053A83-0668-4605-A03A-C15B1D9D5072 | XXXXXX | XXXXXX A | Not Applicable |
| 7CB53CF7-AB67-435D-9B18-DDB6BE875FAC | XXXXXX | XXXXXX A | Not Applicable |
| 1B6560D5-87C5-400C-8FA5-2A8730393AAB | XXXXXX | XXXXXX D A | Not Applicable |
| 8F0011CB-1999-434B-9028-85D8EC7061D7 | XXXXXX | XXXXXX A | Not Applicable |
| C8530509-6C97-49D8-8E6C-D702A762EB72 | XXXXXX | XXXXXX A | Not Applicable |
| E6C268E2-E121-43FD-8408-A3034430FF1E | XXXXXX | XXXXXX A | Not Applicable |
| A7EE9A93-6EFA-439C-BF33-7ED9F145AD57 | XXXXXX | XXXXXX A | Not Applicable |
| EF4508EB-AEE0-43F1-866A-605E191222AF | XXXXXX | XXXXXX A | Not Applicable |
| 623FE8B2-17A3-4E1C-8EEB-29E9A7545051 | XXXXXX | XXXXXX A | Not Applicable |
| 62C730FE-8DF3-4272-AAF1-0F26797D1431 | XXXXXX | XXXXXX D A | Not Applicable |
| A2FC5AAD-DE72-4462-82BF-430D632060A7 | XXXXXX | XXXXXX A | Not Applicable |
| FC56AF09-89EB-471C-AF4E-D252FD85608E | XXXXXX | XXXXXX A | Not Applicable |
| 1A69DF87-888D-4D7F-AF2A-64895BF05A41 | XXXXXX | XXXXXX A | Not Applicable |
| 93D76B00-903A-4201-8089-226CA34D37F7 | XXXXXX | XXXXXX A | Not Applicable |
| D1ED8AE0-7673-4476-A236-8FBEFAF8CE5B | XXXXXX | XXXXXX C A | Not Applicable |
| 6211B053-A228-46E6-9F16-BB215EFC48BA | XXXXXX | XXXXXX A | Not Applicable |
| E8B88C01-2D39-417B-BC6C-C924784661E2 | XXXXXX | XXXXXX D A | Not Applicable |
| 1C5CCDD4-77AD-4B01-92F0-7B7D65FB8C24 | XXXXXX | XXXXXX D A | Not Applicable |
| A3772AB4-5177-42BC-A75A-48948095B0B9 | XXXXXX | XXXXXX C A | Not Applicable |
| 7ECB8D49-0910-4FA2-8416-3B29BC037245 | XXXXXX | XXXXXX A | Not Applicable |
| 4B594FF9-F78F-4C80-99C2-94219463B85C | XXXXXX | XXXXXX A | Not Applicable |
| D520566A-C5E5-449C-9D8F-D9480F8D3257 | XXXXXX | XXXXXX A | Not Applicable |
| 1577EDB2-2E42-4E04-8747-5982642E6E3C | XXXXXX | XXXXXX A | Not Applicable |
| C0722D04-5103-4CD5-B980-8F11EB280BA2 | XXXXXX | XXXXXX A | Not Applicable |
| 473F85D6-0578-4C3D-88C0-E72B6F4B80DD | XXXXXX | XXXXXX D A | Not Applicable |
| 02D46CCD-B80B-4A7E-A4E8-8868E6946748 | XXXXXX | XXXXXX A | Not Applicable |
| 9B8B89AF-30CE-49F7-90A9-B08DB30B032F | XXXXXX | XXXXXX A | Not Applicable |
| 4FE52C59-745A-4E8E-8F54-1CDA9867F8D9 | XXXXXX | XXXXXX A | Not Applicable |
| 7CF2F548-581E-43F0-939B-EEB6A53E4219 | XXXXXX | XXXXXX A | Not Applicable |
| A96C8225-27CC-4AF1-9186-C4F1D36A44EC | XXXXXX | XXXXXX A | Not Applicable |
| 0E749DA0-C539-4C03-BC09-4DC28124BC72 | XXXXXX | XXXXXX A | Not Applicable |
| 2E509304-AAD8-41C6-951E-5DDF9F3DEE1A | XXXXXX | XXXXXX A | Not Applicable |
| 2B47B400-A5A3-4BE3-9FAC-102EFFCFB4B2 | XXXXXX | XXXXXX A | Not Applicable |
| 99BEBE5C-62C9-46EC-8240-C73546757017 | XXXXXX | XXXXXX C A | Not Applicable |
| FD3B1CE6-0C3C-4F49-A8AB-D493714CF3C4 | XXXXXX | XXXXXX A | Not Applicable |
| E36048F8-9036-4959-AC16-040CE6339FFA | XXXXXX | XXXXXX D A | Not Applicable |
| 61EE087A-6C88-4A33-83F5-A374E26F5C5A | XXXXXX | XXXXXX A | Not Applicable |
| 2428D632-E407-42AD-9396-C2330FE7C648 | XXXXXX | XXXXXX A | Not Applicable |
| 89A64F86-A90B-4A42-BFC1-A9D17CD9D55F | XXXXXX | XXXXXX A | Not Applicable |
| 3B4F5F80-5ADE-4CAA-B151-DC65ABE722C0 | XXXXXX | XXXXXX A | Not Applicable |
| 7DDE50EB-66E5-4846-8832-F13C2B680093 | XXXXXX | XXXXXX A | Not Applicable |
| 3AE6DE5A-8B07-4CA6-A0C0-2D3394A5D8B8 | XXXXXX | XXXXXX A | Not Applicable |
| E941AFAB-D844-41FA-8AC4-D38F7A312394 | XXXXXX | XXXXXX A | Not Applicable |
| 901BAFC2-B02E-4BDF-A410-FB9FBF27E9E7 | XXXXXX | XXXXXX A | Not Applicable |
| CD1380AD-4376-4BB9-909B-154C19CC9E1A | XXXXXX | XXXXXX A | Not Applicable |
| E1CBBB73-F3AF-473A-8041-A66273AA5EB1 | XXXXXX | XXXXXX A | Not Applicable |
| 7D6CC044-101A-4936-9449-A94BEC3541BF | XXXXXX | XXXXXX A | Not Applicable |
| 39B1B89F-927D-4DA6-8F75-90B95015ED84 | XXXXXX | XXXXXX A | Not Applicable |
| 8217546B-60AF-43F6-B53E-7828E2B5554B | XXXXXX | XXXXXX D A | Not Applicable |
| 47366040-2B03-4329-8FEE-053451710C86 | XXXXXX | XXXXXX A | Not Applicable |
| 2B39BE40-95AA-438F-B7DE-8ED8C691F1C6 | XXXXXX | XXXXXX A | Not Applicable |
| 42124EBB-C8BB-4E29-AA29-D67883526D88 | XXXXXX | XXXXXX A | Not Applicable |
| B022C736-7BD3-4D42-9CFA-45B893D4EA5C | XXXXXX | XXXXXX A | Not Applicable |
| CF1E4647-A6D5-441F-B08B-AF41E1344A09 | XXXXXX | XXXXXX A | Not Applicable |
| D7FA0886-3053-4319-AD2F-83628FD3CA14 | XXXXXX | XXXXXX B A | Not Applicable |
| 7D5438A8-10BF-41D9-BB53-970BC34094C9 | XXXXXX | XXXXXX A | Not Applicable |
| 7C3475D3-9E67-4CF8-AC69-96B113A90DA5 | XXXXXX | XXXXXX A | Not Applicable |
| 4F4A4C42-1156-421B-B627-CCEDCB4994B0 | XXXXXX | XXXXXX A | Not Applicable |
| BE73DC6B-738D-4FE8-A522-2B478B040D51 | XXXXXX | XXXXXX A | Not Applicable |
| FC0F4425-E3CA-4EF4-A8DE-BDEED6CBF750 | XXXXXX | XXXXXX A | Not Applicable |
| A57C92E9-591D-405A-B5BB-2049C1C310AC | XXXXXX | XXXXXX A | Not Applicable |
| AB8B17F1-917D-4467-BF57-5C38300C6A7F | XXXXXX | XXXXXX A | Not Applicable |
| 307DA809-4A9C-4FD3-A233-263192AD8409 | XXXXXX | XXXXXX A | Not Applicable |
| B3D53C04-77D6-43AC-B587-F961752D7096 | XXXXXX | XXXXXX C A | Not Applicable |
| F5ADE851-C9B7-4ED8-A213-10419873D8DB | XXXXXX | XXXXXX A | Not Applicable |
| AC479507-9EED-49D2-8094-0F8791272979 | XXXXXX | XXXXXX A | Not Applicable |
| F79706F6-D5D4-4765-9512-9F058CD981F6 | XXXXXX | XXXXXX A | Not Applicable |
| CD9CE262-B0D9-48F4-80D4-F60922E4DF7C | XXXXXX | XXXXXX A | Not Applicable |
| 4893EC26-E926-439D-9685-1C8B3B06B667 | XXXXXX | XXXXXX A | Not Applicable |
| FDCA39EB-80FA-442B-8F1C-B163371E572B | XXXXXX | XXXXXX A | Not Applicable |
| 908F98A6-C1E3-4B80-AD81-A2A2F7EA20EE | XXXXXX | XXXXXX A | Not Applicable |
| 000EF31F-3D0E-4ED3-9BF1-7D95AB97EF4F | XXXXXX | XXXXXX A | Not Applicable |
| A6FC571B-4D4E-40BD-AD16-93EDDBC4C413 | XXXXXX | XXXXXX A | Not Applicable |
| B8099A0F-8668-45D4-96B3-96D263D70911 | XXXXXX | XXXXXX A | Not Applicable |
| B58FDD1F-4463-4A56-8551-81E1AAF012A9 | XXXXXX | XXXXXX A | Not Applicable |
| 918562C8-6CDE-4B4A-B5F6-B5467FAACE61 | XXXXXX | XXXXXX A | Not Applicable |
| B44606D2-124B-421E-A8F2-F87C32BFFD0C | XXXXXX | XXXXXX A | Not Applicable |
| B9E550F3-BBBC-4F48-A000-2354EADAA712 | XXXXXX | XXXXXX A | Not Applicable |
| B36F3D16-76C5-4A76-9E59-2CAFCED0B432 | XXXXXX | XXXXXX A | Not Applicable |
| 5B871BA0-073F-4037-B8CA-06398CFF8105 | XXXXXX | XXXXXX C A | Not Applicable |
| 21B9BEAC-2A11-4EF1-937F-7834CAC09350 | XXXXXX | XXXXXX A | Not Applicable |
| 490A0F96-4093-45CC-AFF4-6092A39A406E | XXXXXX | XXXXXX A | Not Applicable |
| 55BE1679-5FD6-4527-995C-1B18BDB68E20 | XXXXXX | XXXXXX A | Not Applicable |
| CCFACB03-04DC-441D-8C77-C12E4C2410D5 | XXXXXX | XXXXXX A | Not Applicable |
| 546DADD7-A29E-4368-9F73-8B4A12C9F218 | XXXXXX | XXXXXX A | Not Applicable |
| 0654A239-FBF3-43F2-B2D3-C7F98203E967 | XXXXXX | XXXXXX A | Not Applicable |
| 25B6D5FF-D068-436F-8BF9-D8CB7C9A052F | XXXXXX | XXXXXX A | Not Applicable |
| 863A536F-F6AD-4F5B-8EBE-D2C0E25F98C6 | XXXXXX | XXXXXX B A | Not Applicable |
| AD33B291-0E99-46DB-8C8F-BB5BA42E404D | XXXXXX | XXXXXX A | Not Applicable |
| B01C2E86-CBA2-4BD7-AE5E-994DDD60BC1E | XXXXXX | XXXXXX A | Not Applicable |
| B0E29DC5-DFEB-4F28-AFBC-0AEB35A38025 | XXXXXX | XXXXXX A | Not Applicable |
| D4FEA818-9E0C-4BFF-AEDE-D1E5D90A100E | XXXXXX | XXXXXX A | Not Applicable |
| DBEEC309-5C9C-4F36-9F62-092B8CCE1F4B | XXXXXX | XXXXXX A | Not Applicable |
| 917F4D98-971F-444F-918E-91394F8BA786 | XXXXXX | XXXXXX A | Not Applicable |
| A6619D24-CC83-4A1F-9809-3C83657505DA | XXXXXX | XXXXXX B A | Not Applicable |
| 2A77D4CE-DFED-4F62-9BCA-EF40A8CF578F | XXXXXX | XXXXXX A | Not Applicable |
| FA801461-C138-43CB-895D-170534C510CA | XXXXXX | XXXXXX A | Not Applicable |
| 5610EEDB-51FC-4D27-8993-B5B804E75BEA | XXXXXX | XXXXXX A | Not Applicable |
| 57B0F5D9-A21B-4633-B5DB-0981C52516B4 | XXXXXX | XXXXXX D A | Not Applicable |
| B716338E-E788-4996-BBE1-EB71B203667D | XXXXXX | XXXXXX A | Not Applicable |
| F2BC9651-02B2-48FE-97F3-89E51BC06FAD | XXXXXX | XXXXXX A | Not Applicable |
| 2B5B1CFE-59E4-473C-9827-619C202B3BC0 | XXXXXX | XXXXXX C A | Not Applicable |
| 21C6E8A2-3624-451D-9D26-DC865891253C | XXXXXX | XXXXXX A | Not Applicable |
| CB5DFD61-5991-44CE-9BFD-A93B8D4C050C | XXXXXX | XXXXXX A | Not Applicable |
| 53DE8D27-5F52-4D72-90DC-463049AD9796 | XXXXXX | XXXXXX A | Not Applicable |
| F52F52FA-9762-457F-82A9-35AA110EA3B0 | XXXXXX | XXXXXX A | Not Applicable |
| 8DB39790-0CF5-4BAF-9988-524D97968074 | XXXXXX | XXXXXX A | Not Applicable |
| 2ECE045E-6340-4F0B-BCC7-E914E22AAFED | XXXXXX | XXXXXX A | Not Applicable |
| D572C04E-4529-4F30-B3CE-01BE0CBB3322 | XXXXXX | XXXXXX A | Not Applicable |
| 19CDC625-B157-4565-A4CC-D5F91BE2F2FF | XXXXXX | XXXXXX A | Not Applicable |
| 495CE241-85DB-4F81-BF4E-078F381677B4 | XXXXXX | XXXXXX A | Not Applicable |
| 26E9CBBC-AB46-44DA-9DC1-0E5CF18CA5DD | XXXXXX | XXXXXX A | Not Applicable |
| 2F180BE0-1081-4E47-8720-D33826109AA7 | XXXXXX | XXXXXX D A C | Not Applicable |
| C15AB2AD-FC25-4F64-8AD8-16BCA0FBE3DE | XXXXXX | XXXXXX A | Not Applicable |
| 5ECE761A-11AD-4B2F-B22F-62CF9E54B7E4 | XXXXXX | XXXXXX D A | Not Applicable |
| A342A044-35BB-4963-89C9-18DAB033C9FC | XXXXXX | XXXXXX A | Not Applicable |
| 67DECCE3-264B-4145-BF92-3E3A6B172D2A | XXXXXX | XXXXXX A | Not Applicable |
| ADF7CA98-F267-4F6C-92BC-B196E28A3B78 | XXXXXX | XXXXXX A | Not Applicable |
| FA321AC3-BF44-44EF-B874-4E33BFAF0FBD | XXXXXX | XXXXXX A | Not Applicable |
| A6A3806D-051B-49C9-AC64-452150F96DE6 | XXXXXX | XXXXXX A | No |
| 5711642F-846F-4F39-9C26-9A69213D379A | XXXXXX | XXXXXX D A | Not Applicable |
| BCFB6F6A-2B0A-4495-B5C4-8F85B8FEA4E6 | XXXXXX | XXXXXX D A | Not Applicable |
| 7FB90AA7-C554-46CA-81D3-24E4FA3E1E54 | XXXXXX | XXXXXX A | Not Applicable |
| AE876A38-6B9C-483A-8C6E-CE60A770AA99 | XXXXXX | XXXXXX D A | Not Applicable |
| BD474461-D79B-4787-9F67-A5CAA54E548D | XXXXXX | XXXXXX A | Not Applicable |
| 90AAE42C-40B1-4071-9FE4-B1D89DD7A4F6 | XXXXXX | XXXXXX D A | Not Applicable |
| 64DEAC72-2AD7-4AD6-A5B3-39E456DCEC79 | XXXXXX | XXXXXX D A | Not Applicable |
| EEF78D24-C8F8-438E-A55A-AA1A89898D05 | XXXXXX | XXXXXX D A | Not Applicable |
| 315B6F96-4FC7-448B-A0A0-406BCF11B618 | XXXXXX | XXXXXX C A | Not Applicable |
| C8127CCF-2C35-47E2-9831-3FC795068617 | XXXXXX | XXXXXX B A | Not Applicable |
| 2A3F6FA1-CF81-40C6-9C69-E5AD59BE9E2F | XXXXXX | XXXXXX C A | Not Applicable |
| 608F5EAB-CD8A-4D2D-B196-81EFF6099783 | XXXXXX | XXXXXX A | Not Applicable |
| D7D1EDE0-B069-4A11-B71F-EFCB7CFAA443 | XXXXXX | XXXXXX A | Not Applicable |
| 73450855-2E55-4CF2-9DB8-ED5738A8BE8A | XXXXXX | XXXXXX B A | Not Applicable |
| 0F4EDC0C-5DDE-492B-87A0-C1848CCC8761 | XXXXXX | XXXXXX D B A C | Not Applicable |
| 50256844-C3AD-4910-9F3A-454494D5DB56 | XXXXXX | XXXXXX A | Not Applicable |
| 2C91B522-85F9-405D-9AB9-FF879DB20D60 | XXXXXX | XXXXXX A | Not Applicable |
| A5EE8068-BB0A-4052-A783-502F11D4BFF5 | XXXXXX | XXXXXX C A | Not Applicable |

---

## Exhibit 99.7

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **HOMES 2026-AFC1** |
| **Start - End Dates:** | **5/19/2023 - 1/23/2026** |
| **Deal Loan Count:** | **225** |

---

**Waived Conditions Summary - None**

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.8

**Exhibit 99.8**

![](clarifii_logo.jpg)

**EXECUTIVE SUMMARY**

**HOMES 2026-AFC1**

**By Clarifii LLC on February 10, 2026**

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](clarifii_logo.jpg)

 **CLARIFII CONTACT INFORMATION**

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 210 loans (the "Loans") and these loans were subsequently acquired by O4B Park Capital Securitization, LLC (the "Client") for the HOMES 2026-AFC1 transaction. The loans referenced in this narrative report were reviewed between 05/2023 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;9 | &nbsp;&nbsp;4.29% | &nbsp;&nbsp;$2104495.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.95% | &nbsp;&nbsp;$560000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;199 | &nbsp;&nbsp;94.76% | &nbsp;&nbsp;$52369476.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**210** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55033971.00** |

---

The review consisted of a population of 210 loans, with an aggregate principal balance of $55,033,971.00.

**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.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

**LOAN SAMPLING**

The Client 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.

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

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](clarifii_logo.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019; <br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025  |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the Client 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.

---

| |
|:---|
| **Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;ARM Rate Index Type |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency |
| &nbsp;&nbsp;Assumable Flag |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Origination Equifax |
| &nbsp;&nbsp;Borrower 1 Origination Experian |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Origination Equifax |
| &nbsp;&nbsp;Borrower 2 Origination Experian |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion |

---

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](clarifii_logo.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Covered/High Cost Loan Flag |
| &nbsp;&nbsp;CU Score |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Index Rounding Factor |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Mortgage Insurance Flag |
| &nbsp;&nbsp;Mortgage Origination Channel |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination BK Flag |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |

---

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](clarifii_logo.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;REO Mortgage Times 30 |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Underwriting Guideline Version Date |
| &nbsp;&nbsp;Undiscounted Rate |
| &nbsp;&nbsp;Verified Doc Type |

---

**CREDIT UNDERWRITING**

Clarifii reviewed each Loan file to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria, or other requirements provided by Client, 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

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](clarifii_logo.jpg)

● **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

● **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

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](clarifii_logo.jpg)

● **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

● **Property Insurance and Taxes** 

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**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** 

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

![](clarifii_logo.jpg)

● **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** 

**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

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

![](clarifii_logo.jpg)

● **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:

**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.

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 9

![](clarifii_logo.jpg)

**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.

● **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.

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

![](clarifii_logo.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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– South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

– Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

– Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

– The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

– Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

– Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

– Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

– Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

– Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

– Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

– West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

– Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

- Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

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● **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.

● **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 the population 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 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.

**VALUATION RESULTS SUMMARY**

The two tables below summarize 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;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU/LCA Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;54 |
| &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;4 |

---

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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, client, 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;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;197 | &nbsp;&nbsp;93.81% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;6.19% |
| &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;**210** | &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;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;198 | &nbsp;&nbsp;94.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.71% |
| &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;**210** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;209 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.48% |
| &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;**210** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;210 | &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;**210** | &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;ARM | &nbsp;&nbsp;10 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;$2578013.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;200 | &nbsp;&nbsp;95.24% | &nbsp;&nbsp;$52455958.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**210** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55033971.00** |

---

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**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.95% | &nbsp;&nbsp;$618000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;208 | &nbsp;&nbsp;99.05% | &nbsp;&nbsp;$54415971.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**210** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55033971.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;67 | &nbsp;&nbsp;31.90% | &nbsp;&nbsp;$17297900.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;143 | &nbsp;&nbsp;68.10% | &nbsp;&nbsp;$37736071.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**210** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55033971.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$55033971.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**210** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55033971.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$55033971.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**210** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55033971.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;210 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Rate Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |

---

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Assumable Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;193 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;1 | &nbsp;&nbsp;210 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;179 | &nbsp;&nbsp;98.88% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;210 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;4 | &nbsp;&nbsp;210 | &nbsp;&nbsp;98.10% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;210 | &nbsp;&nbsp;99.05% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;0 | &nbsp;&nbsp;177 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;0 | &nbsp;&nbsp;178 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;0 | &nbsp;&nbsp;179 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;48 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination Equifax | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination Experian | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;96.55% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;13 | &nbsp;&nbsp;210 | &nbsp;&nbsp;93.81% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Covered/High Cost Loan Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;CU Score | &nbsp;&nbsp;0 | &nbsp;&nbsp;175 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;191 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;1 | &nbsp;&nbsp;208 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;Mortgage Insurance Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;209 | &nbsp;&nbsp;99.52% |

---

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;200 | &nbsp;&nbsp;99.50% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;198 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;2 | &nbsp;&nbsp;210 | &nbsp;&nbsp;99.05% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;185 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;210 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;2 | &nbsp;&nbsp;210 | &nbsp;&nbsp;99.05% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;207 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;208 | &nbsp;&nbsp;93.27% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;210 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;179 | &nbsp;&nbsp;98.88% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;210 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;210 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;REO Mortgage Times 30 | &nbsp;&nbsp;1 | &nbsp;&nbsp;130 | &nbsp;&nbsp;99.23% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;144 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;199 | &nbsp;&nbsp;95.98% |
| &nbsp;&nbsp;Underwriting Guideline Version Date | &nbsp;&nbsp;155 | &nbsp;&nbsp;199 | &nbsp;&nbsp;22.11% |
| &nbsp;&nbsp;Undiscounted Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;210 | &nbsp;&nbsp;99.52% |

---

**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. Supplemental Data Extract

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

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

![](clarifii_logo.jpg)

**Disclaimer**

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

 

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

 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.*

 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.*

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2026 Clarifii LLC. All rights reserved.

HOMES 2026-AFC1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

## Exhibit 99.9

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction 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** |
| XXXX | 173976 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 174428 | XXXX C A | Closed | FCRE1232 | 2023-05-09 09:49 | 2026-01-30 10:34 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-05/12/2023 <br>Open-The Calculated DSCR of '0.95' is less than the minimum DSCR per lender guidelines of '1'. - Due Diligence Vendor-05/09/2023 |  | Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-05/12/2023<br>| Months Reserves exceed minimum required - - Months Reserves 10 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 752 is at least 20 points above minimum for program 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 959828 |
| XXXX | 174428 | XXXX C A | Closed | FCRE1194 | 2023-05-05 20:27 | 2023-05-11 20:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, DSCR > 1. Audited LTV of 79.43% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-01/27/2026 <br>Open-Audited LTV of 79.43% exceeds Guideline LTV of 75% - DSCR >= 1.00 required for 80% LTV, maximum LTV DSCR < 1 is 75%. - Due Diligence Vendor-05/06/2023 |  | Resolved-Upon further review, DSCR > 1. Audited LTV of 79.43% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-01/27/2026<br>| Months Reserves exceed minimum required - - Months Reserves 10 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 752 is at least 20 points above minimum for program 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 957229 |
| XXXX | 175431 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 175435 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 175589 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 175826 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 176071 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 176293 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 177264 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 177265 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 177461 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 178569 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 178746 | XXXX C A | Closed | FPRO1136 | 2023-05-30 15:54 | 2026-01-23 16:58 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved--Received appraisal completion report - Due Diligence Vendor-06/01/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-05/31/2023 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Missing copy of the 1004D and appraisal is subject to completion. - Due Diligence Vendor-05/30/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-05/31/2023<br>| Resolved--Received appraisal completion report - Due Diligence Vendor-06/01/2023<br>| Months Reserves exceed minimum required - -27.1 reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 725 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 986665 |
| XXXX | 178750 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 178940 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 178942 | XXXX C B A | Closed | FCRE8013 | 2023-05-31 16:29 | 2023-06-01 11:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Purchase Contract Issue | Waived--Buyers listed on purchase agreement match owners listed on business operating agreement therefore Finding is deemed non-material. - Due Diligence Vendor-06/01/2023 <br>Ready for Review-Please see COmp Factor : LLC vesting without showing LLC on purchase agreement. All borrowers are on purchase agreement and LLC operation agreement. Sufficient to verify 100% ownership by borrowers under LLC. Compensating factors: over 1 DSCR & Sufficient reserve from own fund - Seller-06/01/2023 <br>Open-Mtg vested in LLC for all 3 borrowers. Per guides , when closing a purchase transaction in a LLC vesting, the LLC must be the purchaser on the sale contract. Contract is in the individual names - Due Diligence Vendor-05/31/2023 | Ready for Review-Please see COmp Factor : LLC vesting without showing LLC on purchase agreement. All borrowers are on purchase agreement and LLC operation agreement. Sufficient to verify 100% ownership by borrowers under LLC. Compensating factors: over 1 DSCR & Sufficient reserve from own fund - Seller-06/01/2023<br>| Waived--Buyers listed on purchase agreement match owners listed on business operating agreement therefore Finding is deemed non-material. - Due Diligence Vendor-06/01/2023<br>| Months Reserves exceed minimum required - Reserves is -1.22<br>LTV is less than guideline maximum - LTV is 50% (20%) |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 988675 |
| XXXX | 180314 | XXXX C A | Closed | FCRE5774 | 2023-06-08 09:47 | 2023-06-09 12:24 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-06/09/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-06/09/2023 <br>Open-Borrower 1 Credit Report is Partially Present. - Provide CR with all scores. File contain CR but missing qualifying scores. - Due Diligence Vendor-06/08/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-06/09/2023<br>| Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-06/09/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 789 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - - Months Reserves 15 exceed minimum required 3. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 998633 |
| XXXX | 437186 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 448638 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 603483 | XXXX C A | Closed | FCRE0045 | 2025-05-12 10:25 | 2025-05-14 13:43 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. see uploaded - <br> Seller-05/12/2025 <br>Open-Foreign National but the ACH form is Missing from file. <br> Missing ACH form as required per guidelines. - Due Diligence<br> Vendor-05/12/2025 | Ready for Review-Document Uploaded. see uploaded - Seller-05/12/2025<br>| Resolved-Received ACH - Due Diligence Vendor-05/14/2025<br>| LTV is less than guideline maximum - LTV of 56.63%is below the maximum of 70% allowed per guidelines<br>Months Reserves exceed minimum required - Verified assets of 13.27 months exceeds the minimum required of 6 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4112605 |
| XXXX | 635160 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 640075 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 650718 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 673147 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 699482 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 739583 | XXXX D B A | Closed | FCRE1232 | 2025-09-03 17:56 | 2025-09-10 17:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for DSCR - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Counter-Per guidelines Min Debt Coverage Ratio is .85 according the guidelines. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-09/04 - Rebuttal/Comment: Please note that this is a Rate & Term refinance, and per guideline DSCR ≥ 0.75 to < 0.85 Purchase/R&T - 65% LTV - Seller-09/04/2025 <br> Open-The Calculated DSCR of '0.832' is less than the minimum DSCR per lender guidelines of '0.85'. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025 <br>Ready for Review-09/04 - Rebuttal/Comment: Please note that this is a Rate & Term refinance, and per guideline DSCR ≥ 0.75 to < 0.85 Purchase/R&T - 65% LTV - Seller-09/04/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors. Exception for DSCR - Due Diligence Vendor-10/28/2025<br>| LTV is less than guideline maximum - Max LTV 75% / Subject LTV 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 784 | 65% LTV<br> 784 fico | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5402516 |
| XXXX | 739583 | XXXX D B A | Closed | FCRE0108 | 2025-09-03 17:46 | 2025-09-10 17:47 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-After further review, this is a limited review and fidelity is not required. - Due Diligence Vendor-09/10/2025 <br>Counter-Pending receipt of verification project meets limited review requirements. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-09/04 - Rebuttal/Comment: fidelity/crime can be waived if condo projects reviewed under the limited review method - Seller-09/04/2025 <br>Open-Fidelity Coverage not met. - Due Diligence Vendor-09/03/2025 | Ready for Review-09/04 - Rebuttal/Comment: fidelity/crime can be waived if condo projects reviewed under the limited review method - Seller-09/04/2025<br>| Resolved-After further review, this is a limited review and fidelity is not required. - Due Diligence Vendor-09/10/2025<br>| LTV is less than guideline maximum - Max LTV 75% / Subject LTV 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 784 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5402361 |
| XXXX | 739583 | XXXX D B A | Closed | FPRO1256 | 2025-09-03 18:10 | 2025-09-10 17:44 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-After further review, the limited review is acceptable per guides. - Due Diligence Vendor-09/10/2025 <br> Counter-Guidelines State - Condominiums: Both XXXX Condo Project Manager (CPM) and XXXX Full Review are allowed. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-09/04 - Limited review is acceptable per XXXX guideline. - Seller-09/04/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Full Condo Review Required. File contains a Limited Review. - Due Diligence Vendor-09/03/2025 | Ready for Review-09/04 - Limited review is acceptable per XXXX guideline. - Seller-09/04/2025 | Resolved-After further review, the limited review is acceptable per guides. - Due Diligence Vendor-09/10/2025<br>| LTV is less than guideline maximum - Max LTV 75% / Subject LTV 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 784 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5402703 |
| XXXX | 739583 | XXXX D B A | Closed | FCRE9814 | 2025-09-03 18:09 | 2025-09-08 15:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received Certification of Trust. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. please disregard 1st rebuttal comment - Seller-09/04/2025 <br>Ready for Review-09/04 - Rebuttal/Comment: Borrower not under LLC - Seller-09/04/2025 <br>Open-Missing Trust Agreement - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. please disregard 1st rebuttal comment - Seller-09/04/2025 <br>Ready for Review-09/04 - Rebuttal/Comment: Borrower not under LLC - Seller-09/04/2025<br>| Resolved-Received Certification of Trust. - Due Diligence Vendor-09/08/2025<br>| LTV is less than guideline maximum - Max LTV 75% / Subject LTV 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 784 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5402686 |
| XXXX | 745115 | XXXX C B A | Closed | FCRE5778 | 2025-08-28 13:25 | 2025-09-09 14:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Originator provided a waiver for credit report 8 days >120 day maximum, applied to non material finding with comp factors - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Please see uploaded snapshot for management exceptions. Exception provided credit report expiring 8 more days from the 120 days. 1. Low LTV (64%) 2. Good Credit History. - Seller-09/05/2025 <br> Counter-Credit report received date XXXX is 128 days old at Note date of XXXX - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Please be advised credit report date completed is still within 120 days from the note date. - Seller-09/03/2025 <br> Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-08/28/2025 | Ready for Review-Please see uploaded snapshot for management exceptions. Exception provided credit report expiring 8 more days from the 120 days. 1. Low LTV (64%) 2. Good Credit History. - Seller-09/05/2025 <br>Ready for Review-Please be advised credit report date completed is still within 120 days from the note date. - Seller-09/03/2025<br>| Waived-Originator provided a waiver for credit report 8 days >120 day maximum, applied to non material finding with comp factors - Due Diligence Vendor-09/09/2025<br>| LTV is less than guideline maximum - 64.86% LTV is less than 70% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 733 Qualifying FICO score is at least 20 points above 660 minimum for program | LTV: 64% LTV<br> Credit: Good Credit History-733 FICO. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5350028 |
| XXXX | 753867 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 753868 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 753881 | XXXX D A | Closed | FCRE1202 | 2025-09-09 09:33 | 2025-09-11 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received updated fraud report reflecting all parties. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. Uploaded revised data verify - Seller-09/10/2025 <br>Open-Third Party Fraud Report Partially Provided Both Seller's names are not on the Loan Participant Analysis list - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Uploaded revised data verify - Seller-09/10/2025<br>| Resolved-Received updated fraud report reflecting all parties. - Due Diligence Vendor-09/11/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR of 1.06% is higher than minimum .85% <br>Months Reserves exceed minimum required - Guideline Required reserves 3 months. Qualifying Total Reserves 154.59 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5463538 |
| XXXX | 753884 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 758161 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 774444 | XXXX C B A | Closed | FCRE1440 | 2025-09-22 14:30 | 2025-10-28 17:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Received lender approved exception for missing mortgage payment. Non material with comp facotrs. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. managements exception provided on missing MTG payment. Please see uploaded. Kindly reconsider. - Seller-10/24/2025 <br> Counter-Please provide Please provide XXXX, XXXX and XXXX payment. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-The borrower had a payment twice for XXXX. please see the attachments provided. - Seller-10/09/2025 <br> Counter-XXXX payment provided. Please provide Please provide XXXX, XXXX and XXXX payment. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. Please see uploaded proof of payment. - Seller-10/08/2025 <br> Counter-Prior Note and payment history provided. Please provide XXXX, XXXX, XXXX and XXXX payment. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. Please see uploaded Payment History & Promissory Note. - Seller-10/03/2025 <br> Counter-Note provided, however we are missing documentation to support Free and Clear for the past 12 months. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Uploaded executed Note - Seller-09/30/2025 <br> Counter-LOE state free and clear, however the date of free and clear is not documented. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Please see uploaded LOE - property address. Also, the property address is in data verify report. - Seller-09/25/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Subject property mortgage is private and not on credit report. Need copy of executed note to verify payment amount and 12 months of cancelled<br> checks or 12 months of complete bank statements to verify most recent 12 month mtg payments paid as agreed. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. managements exception provided on missing MTG payment. Please see uploaded. Kindly reconsider. - Seller-10/24/2025 <br>Ready for Review-The borrower had a payment twice for dec 2024. please see the attachments provided. - Seller-10/09/2025 <br>Ready for Review-Document Uploaded. Please see uploaded proof of payment. - Seller-10/08/2025 <br>Ready for Review-Document Uploaded. Please see uploaded Payment History & Promissory Note. - Seller-10/03/2025 <br>Ready for Review-Document Uploaded. Uploaded executed Note - Seller-09/30/2025 <br>Ready for Review-Please see uploaded LOE - property address. Also, the property address is in data verify report. - Seller-09/25/2025<br>| Waived-Received lender approved exception for missing mortgage payment. Non material with comp facotrs. - Due Diligence Vendor-10/28/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. We have 54.36 mos reserves verified. <br>LTV is less than guideline maximum - LTV is 34.48% - can go up to 75% | Credit score 756, Low LTV of 34%, no mortgage lates on the mortgage statement. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5623019 |
| XXXX | 774444 | XXXX C B A | Closed | FCOM1978 | 2025-09-20 09:35 | 2025-09-30 07:12 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received executed ITP, finding resolved. - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. Please see uploaded signed documents, see page 4. - Seller-09/29/2025 <br>Counter-Received response, see page 175. Document in file is not executed. Provide executed ITP. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-See page 175 on loan package package. - Seller-09/25/2025 <br>Open-Please provide executed copy of Intent to Proceed. - Due Diligence Vendor-09/20/2025 | Ready for Review-Document Uploaded. Please see uploaded signed documents, see page 4. - Seller-09/29/2025 <br>Ready for Review-See page 175 on loan package package. - Seller-09/25/2025<br>| Resolved-Received executed ITP, finding resolved. - Due Diligence Vendor-09/30/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. We have 54.36 mos reserves verified. <br>LTV is less than guideline maximum - LTV is 34.48% - can go up to 75% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5610112 |
| XXXX | 782760 | XXXX C A | Closed | FCRE0045 | 2025-09-29 20:12 | 2025-10-27 12:39 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. Please see uploaded ACH. - Seller-10/23/2025 <br>Open-Foreign National but the ACH form is Missing from file. ACH form is Missing from file - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. Please see uploaded ACH. - Seller-10/23/2025<br>| Resolved-Received ACH - Due Diligence Vendor-10/27/2025<br>| Months Reserves exceed minimum required - 3.81 months reserves exceed 3 month minimum required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.142 and minimum is 0.85 or Less |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5711601 |
| XXXX | 799515 | XXXX D A | Closed | FCRE1202 | 2025-10-09 13:39 | 2025-10-23 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. Please see attached copy of the fraud report. Thank you. - Seller-10/22/2025 <br>Counter-Fraud report provided did not include the Seller in the participant list. - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/16/2025 <br>Counter-Received supporting documentation regarding alert on credit report-missing updated fraud report reflecting seller searched. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Please note that copy of the green card with borrower's DOB was provided and included in the loan package, also attached. - Seller-10/14/2025 <br>Counter-Credit report reflects Alert for dob-please provide supporting documentation for waived noted on Fraud Report and confirmation seller was considered. - Due Diligence Vendor-10/13/2025 <br>Ready for Review- Please note that borrower has a valid SSN supported by credit report and no SSN variation found. - Seller-10/10/2025 <br>Open-Third Party Fraud Report Partially Provided Seller not listed on fraud report<br> Provide how SSI issue was cleared, Lenders comments show "waived" - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see attached copy of the fraud report. Thank you. - Seller-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/16/2025 <br>Ready for Review-Document Uploaded. Please note that copy of the green card with borrower's DOB was provided and included in the loan package, also attached. - Seller-10/14/2025 <br>Ready for Review- Please note that borrower has a valid SSN supported by credit report and no SSN variation found. - Seller-10/10/2025<br>| Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/23/2025<br>| DSCR % greater than 1.20 - DSCR is 1.337. Min is .85<br>Qualifying FICO score is at least 20 points above minimum for program - Credit score is 806, min is 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5840782 |
| XXXX | 799515 | XXXX D A | Closed | FCRE1152 | 2025-10-09 13:31 | 2025-10-15 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Counter-Purchases in XX are subject to a higher new tax rate. Noted comment does not confirm rate. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Please refer to page 7, number 16 of the title policy. - Seller-10/10/2025 <br> Open-Missing Evidence of Property Tax Provide tax cert. Appears that Lender used amount based on prior owner. Purchase in XX are subject to a higher new ax rate. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025 <br>Ready for Review-Please refer to page 7, number 16 of the title policy. - Seller-10/10/2025<br>| Resolved-Received property tax cert. - Due Diligence Vendor-10/15/2025<br>| DSCR % greater than 1.20 - DSCR is 1.337. Min is .85<br>Qualifying FICO score is at least 20 points above minimum for program - Credit score is 806, min is 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5840589 |
| XXXX | 799515 | XXXX D A | Closed | FCRE1510 | 2025-10-07 10:00 | 2025-10-13 13:49 | 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-10/13/2025 <br>Ready for Review-Document Uploaded. - Seller-10/10/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. Exhibit A is not attached. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/13/2025<br>| DSCR % greater than 1.20 - DSCR is 1.337. Min is .85<br>Qualifying FICO score is at least 20 points above minimum for program - Credit score is 806, min is 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5801553 |
| XXXX | 799525 | XXXX C A | Closed | finding-3635 | 2025-10-10 11:59 | 2025-10-24 13:00 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received confirmation that the Title Examination fee was part of the "Additional Charges" disclosed on the LE. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Title – Examination fee was added in LE on XXXX, the fees appear as additional charges together with Title – Recording Service fee of XXXX. As this was not added at ICD, we did not added in our COC. <br>- Seller-10/22/2025 <br> Counter-Title Exam was not listed as a Fee on the Initial LE. Fee appears on CD issued XXXX. Please provide COC. Finding remains. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see settlement statement, It shows the title exam fee of XXXX - Seller-10/15/2025 <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 <br> according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges XXXX by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a <br> 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 <br> 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 <br> for the third-party service, consistent with §1026.19(e)(1)(vi). Ten (10%) tolerance fees (Title Examination Fee) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in<br> the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 year, expiration date XXXX - Due Diligence Vendor-10/10/2025 | Ready for Review-Title – Examination fee was added in LE on XXXX, the fees appear as additional charges together with Title – Recording Service fee of XXXX. As this was not added at ICD, we did not added in our COC. <br>- Seller-10/22/2025 <br> Ready for Review-Document Uploaded. Please see settlement statement, It shows the title exam fee of XXXX - Seller-10/15/2025 | Resolved-Received confirmation that the Title Examination fee was part of the "Additional Charges" disclosed on the LE. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 797 Min FICO = 680<br>Months Reserves exceed minimum required - Reserves = 13 months – Required Reserves = 6 Months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5854369 |
| XXXX | 799531 | XXXX C A | Closed | FCRE1151 | 2025-10-09 10:43 | 2025-10-24 13:27 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received chain of title. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Please see uploaded. - Seller-10/22/2025 <br>Counter-Please provide complete 24 month chain of title from Title. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-As per appraisal report in supplemental addendum, It did not reveal any prior sales or transfers within one year prior to the sales date on the grid.<br> - Seller-10/14/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 Month Chain of Title. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see uploaded. - Seller-10/22/2025 <br>Ready for Review-As per appraisal report in supplemental addendum, It did not reveal any prior sales or transfers within one year prior to the sales date on the grid.<br> - Seller-10/14/2025<br>| Resolved-Received chain of title. - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - The Borrower has reserves in the amount of 27.21 months; guideline requires 3 months.<br>LTV is less than guideline maximum - The LTV is 40%; guideline maximum is 60%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5836601 |
| XXXX | 799531 | XXXX C A | Closed | FCRE0045 | 2025-10-09 11:37 | 2025-10-15 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH form. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Please see uploaded - Seller-10/13/2025 <br>Open-Foreign National but the ACH form is Missing from file. Missing ACH. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see uploaded - Seller-10/13/2025<br>| Resolved-Received ACH form. - Due Diligence Vendor-10/15/2025<br>| Months Reserves exceed minimum required - The Borrower has reserves in the amount of 27.21 months; guideline requires 3 months.<br>LTV is less than guideline maximum - The LTV is 40%; guideline maximum is 60%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5838421 |
| XXXX | 799558 | XXXX C A | Closed | FCRE1151 | 2025-10-10 11:16 | 2025-10-27 09:46 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Chain of title was provided. - Due Diligence Vendor-10/27/2025 <br> Counter-Received 24 months chain of title reflecting on deeds and dates-unable to validate seller acquisition. Appraisal states acquired XXXX-chain does not support. Provide complete chain of title with parties noted. additional conditions may apply. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-See page 200 on loan package (page 6#11). The following constitutes a 24-month Chain of Title preceding the effective<br> date hereof and constitutes conveyances and transfers of ownership only: Warranty Deed recorded in O.R. Book 8405, Page<br> 880, Public Records of XXXX, XXXX - Seller-10/22/2025 <br> Counter-Received title listing of Warranty Deeds and Special Warranty Deeds - listing does not reflect names at time of transfers- unable to confirm sellers acquisition of subject-please provide complete 24 months chain of title. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. My apologies, I have uploaded the chain of title. I - Seller-10/16/2025 <br> Counter-Received title listing of Warranty Deeds and Special Warranty Deeds-review is unable to determine seller acquisition - please provide complete 24 months chain of title - Due Diligence Vendor-10/15/2025 <br> Ready for Review-As per appraisal report in supplemental addendum, It did not reveal any prior sales or transfers within one year prior to the sales date on the grid. - Seller-10/13/2025 <br> Open-Unsatisfactory Chain of Title provided. Missing 24 months chain of title. - Due Diligence Vendor-10/10/2025 | Ready for Review-See page 200 on loan package (page 6#11). The following constitutes a 24-month Chain of Title preceding the effective<br> date hereof and constitutes conveyances and transfers of ownership only: Warranty Deed recorded in O.R. Book 8405, Page<br> 880, Public Records of XXXX, XXXX - Seller-10/22/2025 <br> Ready for Review-Document Uploaded. My apologies, I have uploaded the chain of title. I - Seller-10/16/2025 <br> Ready for Review-As per appraisal report in supplemental addendum, It did not reveal any prior sales or transfers within one year prior to the sales date on the grid. - Seller-10/13/2025 | Resolved-Chain of title was provided. - Due Diligence Vendor-10/27/2025<br>| LTV is less than guideline maximum - The LTV is 33.99%; guideline maximum is 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 684; guideline maximum is 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5853467 |
| XXXX | 804332 | XXXX C A | Closed | FPRO0025 | 2025-10-14 13:00 | 2025-10-24 10:21 | Resolved | 1 - Information C A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-After further review, the final inspection confirms the smoke detectors were added to the bedrooms and the original appraisal confirms there is a smoke detector already in the hallway. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Please note that we have provided appraisal report reflecting appraiser comments that each bedroom and the hallway outside the bedrooms need smoke detectors (this is a law requirement) <br> and as you can see on photo addendum it is showing that they already have on hallway , we only required for bedrooms, and comments were added on 1004D. <br>Refer to page 146 for appraisal report comments regarding smoke detectors of loan package.<br> Refer to page 154 for picture of hallway smoke detector. <br> - Seller-10/24/2025 <br>Counter-No document uploaded. 1004d pg 128 of PDF noted smoke detectors in the bedrooms, but did not confirm required detectors in hallway outside the bedrooms. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-As per 1004-D, It stated that Bedrooms - No Smoke Detector - CORRECTED. - Seller-10/20/2025 <br>Open-The appraisal states "There does not appear to be adequate smoke detectors. I assume the smoke detectors function properly as of the effective<br> date of this appraisal. Each bedroom and the hallway outside the bedrooms need smoke detectors. The local fire department will installed smoke detectors for free". Lack of adequate smoke detectors are a health and safety issue. - Due Diligence Vendor-10/14/2025 | Ready for Review-Please note that we have provided appraisal report reflecting appraiser comments that each bedroom and the hallway outside the bedrooms need smoke detectors (this is a law requirement) <br> and as you can see on photo addendum it is showing that they already have on hallway , we only required for bedrooms, and comments were added on 1004D. <br>Refer to page 146 for appraisal report comments regarding smoke detectors of loan package.<br> Refer to page 154 for picture of hallway smoke detector. <br> - Seller-10/24/2025 <br>Ready for Review-As per 1004-D, It stated that Bedrooms - No Smoke Detector - CORRECTED. - Seller-10/20/2025<br>| Resolved-After further review, the final inspection confirms the smoke detectors were added to the bedrooms and the original appraisal confirms there is a smoke detector already in the hallway. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 801<br>DSCR % greater than 1.20 - Min DSCR .75% / DSCR 1.334% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5889574 |
| XXXX | 810648 | XXXX C A | Closed | FCRE1510 | 2025-10-17 14:43 | 2025-10-22 18:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, only XXXX requires two witnesses - Due Diligence Vendor-10/22/2025 <br> Counter-No documents uploaded. XXXX law requires two witnesses even if an attorney is present. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-10/17: Witness signature is not longer required since this is already done in the presence of the attorney. - Seller-10/17/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required witness signature - Due Diligence Vendor-10/17/2025 | Ready for Review-10/17: Witness signature is not longer required since this is already done in the presence of the attorney. - Seller-10/17/2025<br>| Resolved-After further review, only XXXX requires two witnesses - Due Diligence Vendor-10/22/2025 | LTV is less than guideline maximum - 50% LTV below max allowed of 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 700. Borrower's qualifying score = 779<br>DSCR % greater than 1.20 - Minimum DSCR allowed = 0.75. Borrower's DSCR = 1.401 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5935177 |
| XXXX | 810648 | XXXX C A | Closed | FCRE1491 | 2025-10-17 08:45 | 2025-10-21 10:26 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. XXXX: If account value of the asset has more than 20% more than the funds needed , we do not require liquidation. Please see screenshot for guidelines. - Seller-10/18/2025 <br> Open-The loan file is missing proof that the assets in the Fidelity account (page 73) were made liquid. The wire on Pg 72 doesn't say which account the funds were wired from. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. 10/17: If account value of the asset has more than 20% more than the funds needed , we do not require liquidation. Please see screenshot for guidelines. - Seller-10/18/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-10/21/2025<br>| LTV is less than guideline maximum - 50% LTV below max allowed of 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 700. Borrower's qualifying score = 779<br>DSCR % greater than 1.20 - Minimum DSCR allowed = 0.75. Borrower's DSCR = 1.401 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5928681 |
| XXXX | 810654 | XXXX D A | Closed | FPRO1255 | 2025-10-16 17:08 | 2025-10-24 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received CPM confirming approved by XXXX. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Please see uploaded CPM. - Seller-10/22/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing HOA Questionnaire. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see uploaded CPM. - Seller-10/22/2025<br>| Resolved-Received CPM confirming approved by XXXX. - Due Diligence Vendor-10/24/2025 | LTV is less than guideline maximum - The LTV is 44.44%; guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 795; guideline minimum is 620. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5923466 |
| XXXX | 814193 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 815413 | XXXX C A | Closed | FCRE1510 | 2025-10-22 09:53 | 2025-11-03 14:24 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Warranty Deed. Borrowers changed to Individuals prior to close. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. Uploaded Grant Deed - Seller-10/30/2025 <br>Counter-Received email indicating a grant deed was executed. Please provide proof of grant deed. - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. Uploaded email confirming vesting - Seller-10/28/2025 <br>Counter-No document uploaded. Please provide proof of updated title vesting or updated Deed of Trust. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Please note that loan was not closed as a trust, it was closed as individuals. <br>Refer to page 213 for email of broker confirming that vesting was going to be as individuals - Seller-10/24/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Final title policy is held in a trust. Mtg was executed as individuals - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Uploaded Grant Deed - Seller-10/30/2025 <br>Ready for Review-Document Uploaded. Uploaded email confirming vesting - Seller-10/28/2025 <br>Ready for Review-Please note that loan was not closed as a trust, it was closed as individuals. <br>Refer to page 213 for email of broker confirming that vesting was going to be as individuals - Seller-10/24/2025<br>| Resolved-Received Warranty Deed. Borrowers changed to Individuals prior to close. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico score is 796 min is 680<br>LTV is less than guideline maximum - Actual CLTV is 65.22% max CLTV is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5970230 |
| XXXX | 815413 | XXXX C A | Closed | FCRE0140 | 2025-10-22 10:16 | 2025-10-30 14:24 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received proof of tax lien. This is not attached to an REO and considered business purpose - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. Please note that it was not a personal tax lien is regarding the investment loan, its even added on title.<br> Refer to pages 268 for item 14 regarding tax lien.<br> - Seller-10/24/2025 <br>Open-DSCR loan does not meet program guidelines. CD reports a debt paid off at closing for Personal Tax lien against the borrower, DSCR does not allow personal debt to be paid off - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Please note that it was not a personal tax lien is regarding the investment loan, its even added on title.<br> Refer to pages 268 for item 14 regarding tax lien.<br> - Seller-10/24/2025<br>| Resolved-Received proof of tax lien. This is not attached to an REO and considered business purpose - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico score is 796 min is 680<br>LTV is less than guideline maximum - Actual CLTV is 65.22% max CLTV is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5970707 |
| XXXX | 815415 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 817007 | XXXX C A | Closed | FCRE1510 | 2025-10-21 15:14 | 2025-10-27 13:05 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received BPL and Environmental Rider - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. - Seller-10/23/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Misisng BPL and Environmental Rider - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received BPL and Environmental Rider - Due Diligence Vendor-10/27/2025<br>| Months Reserves exceed minimum required - 10.96 months reserves exceed required 3 by 7.96 months<br>DSCR % greater than 1.20 - DSCR 1.294, minimum DSCR is 1.0.<br>On time mortgage history exceeds guideline requirement - 0x30x12 in the past 49 months, 1x30x12 months allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 708 qualifying FICO score, 680 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5962988 |
| XXXX | 817008 | XXXX C A | Closed | FCRE1440 | 2025-10-21 14:45 | 2025-11-06 15:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Note and Property profile confirming borrower only on title, no housing required. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. Please note that for this primary property borrower is only on title and its not financially responsible. - Seller-10/27/2025 <br>Open-Housing History Does Not Meet Guideline Requirements. Missing proof of 12 mortgage payments for the primary residence. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please note that for this primary property borrower is only on title and its not financially responsible. - Seller-10/27/2025<br>| Resolved-Received Note and Property profile confirming borrower only on title, no housing required. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 730 and minimum allowed is 660<br>LTV is less than guideline maximum - LTV is 75% and max allowed is 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5962392 |
| XXXX | 817009 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 817010 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 817011 | XXXX C A | Closed | FCRE1440 | 2025-10-24 09:22 | 2025-10-29 13:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received sufficient payment history - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Please note that underwriter was able to provide XXXX, XXXX statement for XXXX and also he advise that there is a mortgage statement for XXXX documenting <br> XXXX payments, and for the HELOC for XXXX, I have the bank statements where you can see the XXXX payment, I couldn't find the XXXX payment but even if we don't have and count it as 1 late, the file now complies with the <br> 1x30 mortgage rating. - Seller-10/27/2025 Open-Housing History Does Not Meet Guideline Requirements Provide proof of XXXX and XXXX pmt for Primary and REO property on credit report. Cannot be more than 1 x 30 - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please note that underwriter was able to provide october, september statement for XXXX XXXX and also he advise that there is a mortgage statement for XXXX documenting XXXX payments, and for the HELOC for XXXX, I have the bank statements where you can see the august payment, I couldn't find the XXXX payment but even if we don't have and count it as 1 late, the file now complies with the 1x30 mortgage rating. - Seller-10/27/2025 | Resolved-Received sufficient payment history - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 660. Borrower's qualifying score = 735<br>Months Reserves exceed minimum required - Required 3 mos. Borrower has 463 mos |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6002891 |
| XXXX | 817011 | XXXX C A | Closed | FCRE8701 | 2025-10-24 09:06 | 2025-10-28 13:55 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Operating Agreement. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Uploaded operating agreement - Seller-10/24/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Mtg was signed by the LLC. Provide Operating agreement - Due Diligence Vendor-10/24/2025 | Ready for Review-Uploaded operating agreement - Seller-10/24/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 660. Borrower's qualifying score = 735<br>Months Reserves exceed minimum required - Required 3 mos. Borrower has 463 mos |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6002650 |
| XXXX | 818333 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 818334 | XXXX C A | Closed | FCRE0157 | 2025-10-23 13:29 | 2025-10-29 18:45 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Resolved-List cancellation provided. Confirmed this property is currently listed for rent only. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Counter-Please provide the listing cancellation. Additional findings may apply. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-10/23: Per appraisal report, property was listed for sale XXXX which is more than 6 months. - Seller-10/23/2025 <br> Open-Loan does not meet guideline requirements for loans listed for sale. Properties previously listed for sale must be seasoned at least six (6) months from the listing cancellation date to <br> the Note Date. A listing cancellation of less than six (6) months is permitted with a prepayment penalty. Missing proof of listing cancelation. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Ready for Review-10/23: Per appraisal report, property was listed for sale XXXX which is more than 6 months. - Seller-10/23/2025 | Resolved-List cancellation provided. Confirmed this property is currently listed for rent only. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum credit score allowed = 660. The borrower's qualifying score = 781<br>DSCR % greater than 1.20 - DSCR 1.539 is greater than 1.2 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5991878 |
| XXXX | 818334 | XXXX C A | Closed | FCRE1491 | 2025-10-22 21:04 | 2025-10-27 12:22 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Operating Agreement - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements The bank statements (pages 75 and 79) are business accounts, (XXXX). The loan file is missing proof of the borrower's ownership and percentage of ownership of that business. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received Operating Agreement - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum credit score allowed = 660. The borrower's qualifying score = 781<br>DSCR % greater than 1.20 - DSCR 1.539 is greater than 1.2 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5981447 |
| XXXX | 818334 | XXXX C A | Closed | FCRE8701 | 2025-10-23 13:03 | 2025-10-27 12:20 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Operating Agreement. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-The Business Entity Formation Document is Missing for XXXX . Investor to review and approve all Entity documentation. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum credit score allowed = 660. The borrower's qualifying score = 781<br>DSCR % greater than 1.20 - DSCR 1.539 is greater than 1.2 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5991350 |
| XXXX | 818335 | XXXX C A | Closed | FCRE1148 | 2025-10-22 22:03 | 2025-10-29 13:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/27/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title supplement with insured loan amount - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025<br>| Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-10/29/2025<br>| Months Reserves exceed minimum required - Minimum reserves needed = 3 months. Borrower has 6.36 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 660. Borrower's qualifying score = 728 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5981601 |
| XXXX | 818336 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 818337 | XXXX D A | Closed | FCOM1221 | 2025-10-23 15:07 | 2025-11-06 15:12 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received Re-Recorded DOT with correct spelling. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-The Deed of Trust is Incomplete Borrowers name is incorrect on page 1, should be "XXXX" - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received Re-Recorded DOT with correct spelling. - Due Diligence Vendor-11/06/2025<br>| LTV is less than guideline maximum - Max LTV 80% / Subject LTV 70%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR 75% / Subject DSCR 1.114% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5994170 |
| XXXX | 818337 | XXXX D A | Closed | FCRE1174 | 2025-10-23 15:36 | 2025-10-27 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-After further review, master policy renewal was located in the loan file. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-10/23: Master Policy renewal is already included on the loan package. Please see page 363. - Seller-10/23/2025 <br> Open-Condo Master Insurance Policy Partially Provided Master policy provided expired XXXX. Provide unexpired policy - Due Diligence Vendor-10/23/2025 | Ready for Review-10/23: Master Policy renewal is already included on the loan package. Please see page 363. - Seller-10/23/2025<br>| Resolved-After further review, master policy renewal was located in the loan file. - Due Diligence Vendor-10/27/2025<br>| LTV is less than guideline maximum - Max LTV 80% / Subject LTV 70%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR 75% / Subject DSCR 1.114% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5994760 |
| XXXX | 818338 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 818339 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 819624 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 819625 | XXXX C A | Closed | FCRE8701 | 2025-10-23 20:26 | 2025-10-29 13:42 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Operating Agreement. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/27/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing an operating agreement (or alternate documentation) for the vested entity to verify ownership of the LLC. Additional conditions may apply pending review. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 798; guideline minimum is 660.<br>Months Reserves exceed minimum required - The Borrower has 11.90 months in reserves' guideline requires 3 months.<br>LTV is less than guideline maximum - 75% LTV ratio, 80% max LTV allowed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5998680 |
| XXXX | 819626 | XXXX C B A | Closed | FCRE1254 | 2025-10-23 16:56 | 2025-10-28 13:02 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Release of Lien. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/24/2025 <br>Open-Property Title Issue Per paragraph 8 of the schedule C the HOA placed a lien for non-payment, which wasn't otherwise addressed in the loan file. There is no payment being made on the HUD. It is noted that there is no "amount due" listed. Please address. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-Received Release of Lien. - Due Diligence Vendor-10/28/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR minimum is on 0.75. the DSCR = 1.014<br>Months Reserves exceed minimum required - Minimum reserves = 3 months. Borrower has 75.3 months reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5996479 |
| XXXX | 819626 | XXXX C B A | Closed | FCRE4805 | 2025-10-24 11:14 | 2025-10-28 12:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Waived-Originator provided a waiver for POA for brother to sign CO Refi at 60% LTV. Foreign national living in XXXX. , applied to non material finding with reviewed comp factors. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. Rebuttal/Comment: Management Exception: POA for brother to sign CO Refi at 60% LTV. Foreign national living in XXXX. - Seller-10/24/2025 <br> Open-Trust/POA Does Not Meet Guideline Requirements Power of Attorney (POA) is ineligible for Cash-Out Loans.<br> - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Rebuttal/Comment: Management Exception: POA for brother to sign CO Refi at 60% LTV. Foreign national living in XXXX. - Seller-10/24/2025 | Waived-Originator provided a waiver for POA for brother to sign CO Refi at 60% LTV. Foreign national living in XXXX. , applied to non material finding with reviewed comp factors. - Due Diligence Vendor-10/28/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR minimum is on 0.75. the DSCR = 1.014<br>Months Reserves exceed minimum required - Minimum reserves = 3 months. Borrower has 75.3 months reserves | Minimum reserves = 3 months. Borrower has 75.3 months reserves; DSCR minimum is on 0.75. the DSCR = 1.014 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6005167 |
| XXXX | 819626 | XXXX C B A | Closed | FCRE0045 | 2025-10-23 16:22 | 2025-10-28 12:54 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Form is located or is not applicable. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/24/2025 <br>Open-Foreign National but the ACH form is Missing from file. ACH form is missing from file - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-Form is located or is not applicable. - Due Diligence Vendor-10/28/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR minimum is on 0.75. the DSCR = 1.014<br>Months Reserves exceed minimum required - Minimum reserves = 3 months. Borrower has 75.3 months reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5995794 |
| XXXX | 819627 | XXXX C B A | Closed | FCRE1194 | 2025-10-23 13:11 | 2025-12-03 15:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver seasoning/appraised value, applied to non material finding with comp factors - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. please see management exceptions - Seller-11/07/2025 <br> Counter-The 1008 in file reflects the LTV is being calculated from the appraised value. Audit is utilizing the original purchase price of XXXX + the documented receipts of XXXX, or XXXX per the cash-out seasoning requirements: If the cash-out seasoning is less than 12 months, but greater than 6 months, the transaction property value is limited to the lower of the current appraised value or the property's purchase price plus documented improvements analyzed by the appraiser. - Due Diligence Vendor-11/05/2025 <br> Counter-Received receipts. Documented improvements to be analyzed by appraiser per guideline. Finding remains. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/30/2025 <br> Counter-Received partial guideline. Guideline also indicate if the cash-out seasoning is less than 12 months, but greater than 6 months, the transaction property value is limited to the lower of the current appraised value or the property's purchase price plus documented improvements analyzed by the appraiser. Finding remains. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. 10/25: Our guidelines only requires 6 months title seasoning to be eligible for cash out refinance. So purchased XXXX and closed on XXXX, this is more than 6 months. - Seller-10/27/2025 <br> Open-Audited LTV of 90.99% exceeds Guideline LTV of 75% LTV based on prior purchase price. The property purchased on XXXX which is >6 months <12 months ago from note date XXXX. Guidelines state if the cash-out seasoning is less than 12 months, but greater than 6 months, the transaction property value is limited to the lower of the current appraised value or the property's purchase price plus documented improvements analyzed by the appraiser. Although the appraiser stated "The subject property has been updated since purchase", there is no evidence in the file that the appraiser analyzed the documented improvements provided by the borrower. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. please see management exceptions - Seller-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/30/2025 <br> Ready for Review-Document Uploaded. 10/25: Our guidelines only requires 6 months title seasoning to be eligible for cash out refinance. So purchased XXXX and closed on XXXX, this is more than 6 months. - Seller-10/27/2025 | Waived-Originator provided a waiver seasoning/appraised value, applied to non material finding with comp factors - Due Diligence Vendor-11/12/2025<br>| DSCR % greater than 1.20 - Min DSCR .75%/ Subject DSCR 1.435%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700/ Borrower FICO 776 | Good Credit score<br> bough property 11 months ago. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5991503 |
| XXXX | 819628 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 819629 | XXXX C A | Closed | FCRE8701 | 2025-10-24 16:14 | 2025-10-29 13:10 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Articles of Organization. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Uploaded operating agreement - Seller-10/27/2025 <br> Open-The Business Entity Formation Document is missing for XXXX. Investor to review and approve all Entity documentation. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Uploaded operating agreement - Seller-10/27/2025<br>| Resolved-Received Articles of Organization. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 779<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75%/ Subject DSCR 1.005% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6012002 |
| XXXX | 819630 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 821995 | XXXX C B A | Closed | FCRE1194 | 2025-10-28 19:53 | 2025-11-05 13:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted STR/LTV, waiver applied with compactors. Non-Material, 5% LTV variance. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. Apologies. See uploaded. - Seller-11/03/2025 <br>Counter-No document attached. Please provide exception. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Please see uploaded exception<br>Short term rental <br> Max LTV 80.<br> Appraised value is higher than purchase price - Seller-10/30/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Guideline maximum for DSCR Purchase is 75% LTV; Short Term Rental. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. Apologies. See uploaded. - Seller-11/03/2025 <br>Ready for Review-Please see uploaded exception<br>Short term rental <br> Max LTV 80.<br> Appraised value is higher than purchase price - Seller-10/30/2025<br>| Waived-Originator exception granted STR/LTV, waiver applied with compactors. Non-Material, 5% LTV variance. - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - The Borrower has 6.07 months in reserves; guideline minimum is 3 months.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 2.143; guideline minimum is 1.15 for short Term Rentals. | Appraised value is higher than purchase price. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 6045823 |
| XXXX | 821995 | XXXX C B A | Closed | FCRE0044 | 2025-10-28 19:44 | 2025-11-05 13:40 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Per guidelines we required LOE if inquiries are within the 90 days, our have 91 days. LOE is not required. - Seller-11/03/2025 <br> Counter-Received letter about a purchase in XXXX. Please provide Lox for credit inquiries. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. Please see uploaded. - Seller-10/30/2025 <br> Open-LOX for credit inquiries is missing. Missing LOX for Credit Inquiries. - Due Diligence Vendor-10/28/2025 | Ready for Review-Per guidelines we required LOE if inquiries are within the 90 days, our have 91 days. LOE is not required. - Seller-11/03/2025 <br>Ready for Review-Document Uploaded. Please see uploaded. - Seller-10/30/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - The Borrower has 6.07 months in reserves; guideline minimum is 3 months.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 2.143; guideline minimum is 1.15 for short Term Rentals. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6045693 |
| XXXX | 821996 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 821997 | XXXX D A | Closed | FCRE8013 | 2025-10-24 17:41 | 2025-10-30 12:22 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Purchase Contract. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Counter-Document was not attached - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Uploaded purchase addendum - Seller-10/27/2025 <br> Open-Missing addendum to contracting naming buyer XXXX - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Ready for Review-Uploaded purchase addendum - Seller-10/27/2025<br>| Resolved-Received Purchase Contract. - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - Minimum reserves required = 3 months. The borrower has 24.09 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed 640. Borrower's qualifying score 733 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6013364 |
| XXXX | 821997 | XXXX D A | Closed | FCRE1152 | 2025-10-24 17:37 | 2025-10-29 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax cert. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Please note that per underwriter calculation: <br> Millage \* Assessed Value + Special Assessments / 12<br> XXXX \* XXXX + XXXX / 12 - Seller-10/27/2025 <br> Open-Missing Evidence of Property Tax for XXXX annually - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please note that per underwriter calculation: <br> Millage \* Assessed Value + Special Assessments / 12<br> XXXX \* XXXX + XXXX / 12 - Seller-10/27/2025 | Resolved-Received tax cert. - Due Diligence Vendor-10/29/2025<br>| Months Reserves exceed minimum required - Minimum reserves required = 3 months. The borrower has 24.09 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed 640. Borrower's qualifying score 733 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6013320 |
| XXXX | 821998 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 824322 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 824324 | XXXX D A | Closed | FCRE8701 | 2025-10-27 11:11 | 2026-01-27 15:22 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received business purpose with proceeds for business noted. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Please see uploaded - Seller-10/29/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. The Business Entity Formation Document 100% ownership is Missing. Investor to review and approve all Entity documentation. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Please see uploaded - Seller-10/29/2025<br>| Resolved-Received business purpose with proceeds for business noted. - Due Diligence Vendor-12/05/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75% / Subject DSCR 1.168%<br>LTV is less than guideline maximum - Max LTV 60%/ Subject LTV 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6021865 |
| XXXX | 824324 | XXXX D A | Closed | FCOM1352 | 2025-10-27 11:58 | 2025-12-05 12:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Counter-Business purpose Affidavit in the loan file is incomplete. Borrower did not state the reason for the cash out. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Please see page 303 & 339 on loan package. - Seller-10/29/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Affidavit Disclosure in the loan file does not include purpose of cash out as required by guidelines - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Ready for Review-Please see page 303 & 339 on loan package. - Seller-10/29/2025<br>| Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-12/05/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75% / Subject DSCR 1.168%<br>LTV is less than guideline maximum - Max LTV 60%/ Subject LTV 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6023404 |
| XXXX | 824325 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 824326 | XXXX D A | Closed | FCRE8705 | 2025-10-28 09:54 | 2025-11-03 16:50 | Resolved | 1 - Information C A | Credit | Eligibility | Excessive Seller Contributions | Resolved-Upon further review, Seller Concessions are within guidelines. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. The closing costs were calculated based on the sum of the closing cost subtotal XXXX plus the POC fees XXXX giving us a total of XXXX.<br>So, we are not exceeding max seller contribution of XXXX. <br> - Seller-10/30/2025 <br> Open-Closing costs were XXXX which would be max seller contribution allowed. Borrower received XXXX - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. The closing costs were calculated based on the sum of the closing cost subtotal XXXX plus the POC fees XXXX giving us a total of XXXX.<br>So, we are not exceeding max seller contribution of XXXX. <br> - Seller-10/30/2025 | Resolved-Upon further review, Seller Concessions are within guidelines. - Due Diligence Vendor-11/03/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.004. Guides allow .85<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score 716; guideline minimum is 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6034882 |
| XXXX | 824326 | XXXX D A | Closed | FCRE3978 | 2025-10-28 10:23 | 2025-11-03 16:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received Payoff Statement, no late. Borrower is purchasing from spouse for full control and was vested off of title in XXXX. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. Please see uploaded LOE , payoff statement and 12 month payment history - Seller-10/30/2025 <br> Counter-Received property profile. Title documents Grantor: XXXX Grantee XXXX and XXXX , then missing documented Grantor XXXX andXXXX to XXXX. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. The property has been sold year XXXX as per PP and this is for investment property. The Purchase Agreement has been fully executed as this loan is eligible to Purchase transaction. For year XXXX, the seller and the buyer is the same. - Seller-10/29/2025 <br> Open-Borrower is on mtg of subject currently. Was the prior owner in XXXX. Explain why this loan was not done as a refinance cash out, rather than a purchase. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Please see uploaded LOE , payoff statement and 12 month payment history - Seller-10/30/2025 <br> Ready for Review-Document Uploaded. The property has been sold year XXXX as per PP and this is for investment property. The Purchase Agreement has been fully executed as this loan is eligible to Purchase transaction. For year XXXX, the seller and the buyer is the same. - Seller-10/29/2025 | Resolved-Received Payoff Statement, no late. Borrower is purchasing from spouse for full control and was vested off of title in 2024. - Due Diligence Vendor-11/03/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.004. Guides allow .85<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score 716; guideline minimum is 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6035451 |
| XXXX | 824326 | XXXX D A | Closed | FCRE1159 | 2025-10-28 07:10 | 2025-10-30 12:50 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Please note that the HOI effective date is XXXX same with note date of XXXX. Please see page 271 on loan package. - Seller-10/28/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX The Hazard Insurance Policy effective date is XXXX; Note date XXXX. - Due Diligence Vendor-10/28/2025 | Ready for Review-Please note that the HOI effective date is XXXX same with note date of XXXX. Please see page 271 on loan package. - Seller-10/28/2025 | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-10/30/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.004. Guides allow .85<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score 716; guideline minimum is 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6033157 |
| XXXX | 824327 | XXXX C A | Closed | FCRE1206 | 2025-10-27 21:20 | 2025-11-03 13:35 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-See page 100 on loan package - Property Seller from property data - XXXX - Seller-10/31/2025 <br> Counter-XXXX provided, however the seller was not included in the Loan Participant Analysis - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Please see uploaded XXXX. - Seller-10/29/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-10/28/2025 | Ready for Review-See page 100 on loan package - Property Seller from property data - XXXX - Seller-10/31/2025 <br> Ready for Review-Document Uploaded. Please see uploaded Sam/EPLS. - Seller-10/29/2025 | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 660. Borrower's qualifying score = 817<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum DSCR = 0.75. Borrower's DSCR = 1.092 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6031084 |
| XXXX | 824328 | XXXX C A | Closed | FCRE1254 | 2025-10-27 22:27 | 2025-11-03 13:50 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Rebuttal/Comment: Please provide additional Information regarding this outstanding condition or what document is needed. - Seller-10/29/2025 <br>Open-Property Title Issue - Due Diligence Vendor-10/28/2025 | Ready for Review-Rebuttal/Comment: Please provide additional Information regarding this outstanding condition or what document is needed. - Seller-10/29/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/03/2025<br>| DSCR % greater than 1.20 - Minimum DSCR = 0.75. Borrower's DSCR = 1.12<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 700. Borrower's qualifying score = 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6031352 |
| XXXX | 827501 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 830443 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 830444 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 830445 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 830446 | XXXX C A | Closed | FCRE2244 | 2025-10-30 18:15 | 2025-11-04 13:31 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-When the appraisal is silent, it is understood that no such deficiency was observed, and the report is acceptable as-is. - Due Diligence Vendor-11/04/2025 <br>Open-Property Issues are identified for the property Hazard/Safety issue: The appraiser indicated on the appraisal addendum that water heater straps are not required by local code unless the subject is being used as a rental. The subject property is a DSCR transaction, and the appraisal reflects the property is tenant-occupied. However, appraisal missing evidence (pictures/commentary) to confirm water heater has straps or evidence of a tankless water heating system. - Due Diligence Vendor-10/30/2025 |  | Resolved-When the appraisal is silent, it is understood that no such deficiency was observed, and the report is acceptable as-is. - Due Diligence Vendor-11/04/2025<br>| DSCR % greater than 1.20 - DSCR % is 1.364, minimum DSCR required is 0.75<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 687; guideline minimum is 640.<br>LTV is less than guideline maximum - 47.12% LTV ratio, maximum 60% LTV allowed with a minimum 0.75 DSCR requirement.<br>Months Reserves exceed minimum required - The Borrower 91.20 months in reserves; guideline minimum is 3 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6076434 |
| XXXX | 830446 | XXXX C A | Closed | FPRO0025 | 2025-10-30 18:21 | 2025-11-04 13:31 | Resolved | 1 - Information C A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-When the appraisal is silent, it is understood that no such deficiency was observed, and the report is acceptable as-is. - Due Diligence Vendor-11/04/2025 <br>Open-Originator to provide certification that subject meets state smoke/carbon monoxide requirements. Review of appraisal indicates appraiser did not comment on smoke detector/carbon monoxide sensor meeting state requirements. It should be noted, the appraiser indicated on the appraisal addendum that smoke alarms and CO detectors are not required by local code unless the subject is being used as a rental. The subject property is a DSCR transaction, and the appraisal reflects the property is tenant-occupied. However, there are no photos or commentary indicating that the subject property has smoke/CO detectors. - Due Diligence Vendor-10/30/2025 |  | Resolved-When the appraisal is silent, it is understood that no such deficiency was observed, and the report is acceptable as-is. - Due Diligence Vendor-11/04/2025<br>| DSCR % greater than 1.20 - DSCR % is 1.364, minimum DSCR required is 0.75<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 687; guideline minimum is 640.<br>LTV is less than guideline maximum - 47.12% LTV ratio, maximum 60% LTV allowed with a minimum 0.75 DSCR requirement.<br>Months Reserves exceed minimum required - The Borrower 91.20 months in reserves; guideline minimum is 3 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6076510 |
| XXXX | 830447 | XXXX C A | Closed | FCRE1479 | 2025-10-29 14:19 | 2025-11-06 15:07 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Upon further review, used 50% of assets for reserves. - Due Diligence Vendor-11/06/2025 <br>Ready for Review- Please note that as long as borrower is owner of the acct, we do not need access letter. There is no guideline that require this document. - Seller-11/04/2025 <br>Counter-Received Operating agreement. Borrower is not 100%. Please provide access letter. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Please provide evidence that borrower is owner of LLC listed on the bank statements. - Due Diligence Vendor-10/29/2025 | Ready for Review- Please note that as long as borrower is owner of the acct, we do not need access letter. There is no guideline that require this document. - Seller-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Upon further review, used 50% of assets for reserves. - Due Diligence Vendor-11/06/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR 75%/ Subject DSCR 1.057%<br>LTV is less than guideline maximum - Max LTV 70%/ Subject LTV 65% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6056644 |
| XXXX | 830447 | XXXX C A | Closed | FCRE1254 | 2025-10-29 14:40 | 2025-11-04 13:11 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Operating Agreement confirming additional owner signed quit claim pg 120 pdf. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Open-Property Title Issue Property was vested in a LLC and transferred to borrower at closing. Missing Operating Agreement and verification from owners of the business to to transfer property to borrower. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Received Operating Agreement confirming additional owner signed quit claim pg 120 pdf. - Due Diligence Vendor-11/04/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR 75%/ Subject DSCR 1.057%<br>LTV is less than guideline maximum - Max LTV 70%/ Subject LTV 65% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6057081 |
| XXXX | 830448 | XXXX C A | Closed | FCRE8701 | 2025-10-29 09:46 | 2025-11-03 14:28 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Formation Documentation. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. Please see uploaded LLC documents. - Seller-10/30/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. LLC docs missing. Mortgage signed as members of LLC. Note signed as individual only. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. Please see uploaded LLC documents. - Seller-10/30/2025<br>| Resolved-Received Business Entity Formation Documentation. - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - Minimum required is 3 months reserves - actual is 6.21 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 700 - actual is 752 FICO score |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6050148 |
| XXXX | 830449 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 830450 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 830451 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 830452 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 830453 | XXXX C A | Closed | FCRE1254 | 2025-10-30 13:29 | 2025-11-03 14:37 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Supplemental Report, items will not be on the Final Title. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. Please see uploaded solar documents. - Seller-10/30/2025 <br> Open-Property Title Issue Title to confirm solar lease will not result in a lien superior to lender first lien position - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Please see uploaded solar documents. - Seller-10/30/2025<br>| Resolved-Received Supplemental Report, items will not be on the Final Title. - Due Diligence Vendor-11/03/2025<br>| LTV is less than guideline maximum - Maximum allowable is 70% LTV - actual LTV is 18.7%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 660 - actual FICO score is 797 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6071677 |
| XXXX | 831895 | XXXX C A | Closed | FCRE0184 | 2025-10-29 17:00 | 2025-11-04 13:01 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Business Purpose Loan Certification. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing the cash out letter from the borrower supporting the cash out will be used for business purposes - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Received Business Purpose Loan Certification. - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 735; guideline minimum is 700.<br>Months Reserves exceed minimum required - The Borrower has 27.67 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6059397 |
| XXXX | 831896 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 831897 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 834094 | XXXX D B A | Closed | FCRE1254 | 2025-11-03 15:00 | 2025-11-06 15:46 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-QCD provided, the borrower is an XXXX and 100% owner of the LLC on title. - Due Diligence Vendor-11/06/2025 <br> Counter-Received Title. Please revisit vesting. The mortgage is vested in the LLC, with a quit claim to the borrower but does not include XXXX. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please note that we have provided a quit claim reflecting XXXX as the one closing this loan. <br>Refer to pages 34 - 37 for operating agreement of loan package.<br> Refer to pages 310 - 311 for quit claim of loan package. - Seller-11/04/2025 <br> Open-Property Title Issue Vesting on the Mortgage isXXXX, which does not match vesting on the title of XXXX and XXXX. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Please note that we have provided a quit claim reflecting XXXX as the one closing this loan. <br>Refer to pages 34 - 37 for operating agreement of loan package.<br> Refer to pages 310 - 311 for quit claim of loan package. - Seller-11/04/2025 | Resolved-QCD provided, the borrower is an un-married widow and 100% owner of the LLC on title. - Due Diligence Vendor-11/06/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum DSCR is 0.85%; subject loan DSCR is 1.094%.<br>Months Reserves exceed minimum required - 3 months of reserves required. Borrower has 77.25 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6104750 |
| XXXX | 834094 | XXXX D B A | Closed | FPRO1255 | 2025-11-03 15:06 | 2025-11-05 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Please note that since this is a 4 unit property, we only require Condo CC& R to be provided. <br> Refer to pages 155 - 177 for CC& R of loan package. - Seller-11/04/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing the condo questionnaire and Amwest review of condo. Property located in XXXX. - Due Diligence Vendor-11/03/2025 | Ready for Review-Please note that since this is a 4 unit property, we only require Condo CC& R to be provided. <br> Refer to pages 155 - 177 for CC& R of loan package. - Seller-11/04/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/05/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum DSCR is 0.85%; subject loan DSCR is 1.094%.<br>Months Reserves exceed minimum required - 3 months of reserves required. Borrower has 77.25 months of reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6104861 |
| XXXX | 834094 | XXXX D B A | Closed | FCRE0108 | 2025-10-31 14:36 | 2025-11-05 13:20 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Please note that per XXXX guidelines fidelity/crime insurance is required if condo or co-op projects consisting of 20 units or less, our property is a 4 units. - Seller-11/04/2025 <br> Open-Fidelity Coverage not met. Fidelity Coverage not listed on Master Policy - Due Diligence Vendor-10/31/2025 | Ready for Review-Please note that per Fannie Mae guidelines fidelity/crime insurance is required if condo or co-op projects consisting of 20 units or less, our property is a 4 units. - Seller-11/04/2025<br>| Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-11/05/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum DSCR is 0.85%; subject loan DSCR is 1.094%.<br>Months Reserves exceed minimum required - 3 months of reserves required. Borrower has 77.25 months of reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6086601 |
| XXXX | 834094 | XXXX D B A | Closed | FCRE4805 | 2025-11-03 16:21 | 2025-11-05 13:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Waived-Originator provided a waiver to accept POA on cash out , applied to non material finding with reviewed comp factors. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please note that we have a management exception: <br>POA approved on 60% LTV cash out refi for foreign national outside US. - Seller-11/04/2025 <br> Open-Trust/POA Does Not Meet Guideline Requirements Guidelines state, Power of Attorney (POA) is ineligible for Cash-Out Loans. The Note is signed by the borrower's POA and the loan closed as a cash-out refinance where the borrower received XXXX at closing.<br> - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Please note that we have a management exception: <br>POA approved on 60% LTV cash out refi for foreign national outside US. - Seller-11/04/2025<br>| Waived-Originator provided a waiver to accept POA on cash out , applied to non material finding with reviewed comp factors. - Due Diligence Vendor-11/05/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum DSCR is 0.85%; subject loan DSCR is 1.094%.<br>Months Reserves exceed minimum required - 3 months of reserves required. Borrower has 77.25 months of reserves. | 3 months of reserves required. Borrower has 77.25 months of reserves.<br> Minimum DSCR is 0.85%; subject loan DSCR is 1.094%. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6106111 |
| XXXX | 834095 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 834096 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 834097 | XXXX C A | Closed | FCRE8701 | 2025-11-03 15:28 | 2025-11-05 16:11 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Operating Agreement. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. Please see uploaded LLC. - Seller-11/03/2025 <br>Open-Title vesting is in a Limited Liability Company (LLC). Missing LLC documentation to show borrower(s) have 100% ownership interest. Additional conditions may apply - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Please see uploaded LLC. - Seller-11/03/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Score is 711; guideline minimum is 660.<br>Months Reserves exceed minimum required - Reserves in the amount of 115 months; guideline minimum is 6 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6105228 |
| XXXX | 834098 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 834099 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 834100 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 836345 | XXXX D A | Closed | FCRE1202 | 2025-11-04 12:12 | 2025-11-14 13:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-There is not an alert on credit. The lender confirmed the social was issued after to XXXX. - Due Diligence Vendor-11/14/2025 <br> Counter-Credit report reflects an alert on the social-please provide SS validation. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Rebuttal/Comment: Please note that we do not ask for SSA report if credit report doesn't alert the SSN. The one showing from our Data verify drive report is All of those alert comes out if borrower receive SSN after XXXX. This does not mean its alert or fraud - Seller-11/07/2025 <br> Counter-Received XXXX clearance-please provide validation of borrower social security number. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-Third Party Fraud Report Partially Provided Fraud report in file shows a SSI alert cleared, Provide proof from XXXX. - Due Diligence Vendor-11/04/2025 | Ready for Review-Rebuttal/Comment: Please note that we do not ask for SSA report if credit report doesn't alert the SSN. The one showing from our Data verify drive report is All of those alert comes out if borrower receive SSN after XXXX. This does not mean its alert or fraud - Seller-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 | Resolved-There is not an alert on credit. The lender confirmed the social was issued after to XXXX. - Due Diligence Vendor-11/14/2025 | LTV is less than guideline maximum - LTV is 75%. Max is 80%<br>Months Reserves exceed minimum required - 3 required. 61.25 mos |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6118176 |
| XXXX | 836345 | XXXX D A | Closed | FCRE1440 | 2025-11-03 16:18 | 2025-11-13 13:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The mortgage statement provided confirms no late payments for XXXX - Due Diligence Vendor-11/13/2025 <br> Counter-Received payment history for XXXX. Still missing XXXX payment for XXXX. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Counter-Received confirmation XXXX and XXXX payments made for REO XXXX. Missing XXXX. Missing updated payment history for XXXX - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. 11/06 - Rebuttal/Comment: Please see submitted Mortgage Statements that showing there are no late payments - Seller-11/07/2025 <br> Counter-Page 3 of guidelines require confirmation of of payment history for mortgages reflecting on credit report-finding remains. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-11/04 - Rebuttal/Comment: Per guideline, "VOM required for borrower(s) that are homeowners and mortgage payment history is not reflected on credit report." property XXXX & XXXX. were already reported to Credit report. Additional housing history is not required. - Seller-11/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide proof of payment history on primary for XXXX and XXXX XXXX and also provide XXXX, XXXX, XXXX XXXX payments for REO on credit report - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Ready for Review-Document Uploaded. 11/06 - Rebuttal/Comment: Please see submitted Mortgage Statements that showing there are no late payments - Seller-11/07/2025 <br> Ready for Review-11/04 - Rebuttal/Comment: Per guideline, "VOM required for borrower(s) that are homeowners and mortgage payment history is not reflected on credit report." property XXXX & XXXX were already reported to Credit report. Additional housing history is not required. - Seller-11/04/2025 | Resolved-The mortgage statement provided confirms no late payments for September. - Due Diligence Vendor-11/13/2025<br>| LTV is less than guideline maximum - LTV is 75%. Max is 80%<br>Months Reserves exceed minimum required - 3 required. 61.25 mos |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6106079 |
| XXXX | 836346 | XXXX C A | Closed | FCRE1437 | 2025-11-03 17:58 | 2025-11-06 15:16 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Upon further review, sufficient documentation for the subject was located in the loan file. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-11/04 - Rebuttal/Comment: per Lease agreement, 1st payment is due on XXXX which is the check is already provided. 2nd month is not yet due - Seller-11/04/2025 <br> Open-Income and Employment Do Not Meet Guidelines Rental income off the lease was used however guidelines call for two months rent checks and only 1 months rent checks were received. - Due Diligence Vendor-11/03/2025 | Ready for Review-11/04 - Rebuttal/Comment: per Lease agreement, 1st payment is due on XXXX which is the check is already provided. 2nd month is not yet due - Seller-11/04/2025 | Resolved-Upon further review, sufficient documentation for the subject was located in the loan file. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 / Borrower FICO 745<br>LTV is less than guideline maximum - Max LTV 80% / Subject LTV 65% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6107079 |
| XXXX | 836347 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 836348 | XXXX C A | Closed | FCRE1206 | 2025-11-04 14:50 | 2025-11-21 12:47 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please see updated data verify - Seller-11/19/2025 <br> Counter-Received Fraud Report, however XXXX was included in the Loan Participant Analysis. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Please see uploaded data verify. - Seller-11/05/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Property seller not listed on the loan participant list. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Please see updated data verify - Seller-11/19/2025 <br>Ready for Review-Document Uploaded. Please see uploaded data verify. - Seller-11/05/2025<br>| Resolved-Received Fraud report. - Due Diligence Vendor-11/21/2025<br>| LTV is less than guideline maximum - Guideline maximum LTV is 75%; subject LTV is 51.47%.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum DSCR required per the guidelines is 0.75%; Subject DSCR is 1.854%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6122304 |
| XXXX | 836349 | XXXX D A | Closed | FCRE1152 | 2025-11-04 16:00 | 2025-11-19 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Upon further review, the subject taxes based on property tax report without exemption found on page 211. - Due Diligence Vendor-11/19/2025 <br> Counter-No document provided. Finding is to provide updated Tax Sheet for borrower. Explanation provided does not reference finding. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-11/13: This is a purchase property and this has nothing to do with the borrower. Seller has to pay for this to sell the property. For purchase property, we do not check if its paid or not since it has nothing to do with borrower. - Seller-11/14/2025 <br> Counter-Received property tax info from title reflecting total tax XXXX-clarify - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/09/2025 <br> Counter-Cannot use tax bill as that was based on the prior owner. Provide updated tax sheet - Due Diligence Vendor-11/07/2025 <br> Ready for Review-11/05: We have tax bill in file on page 211. This is where we computed property tax XXXX/12= XXXX. - Seller-11/05/2025 <br> Open-Missing Evidence of Property Tax Tax sheet in file is blank. Cannot use tax bill as that was based on the prior owner. Provide updated tax sheet - Due Diligence Vendor-11/04/2025 | Ready for Review-11/13: This is a purchase property and this has nothing to do with the borrower. Seller has to pay for this to sell the property. For purchase property, we do not check if its paid or not since it has nothing to do with borrower. - Seller-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/09/2025 <br> Ready for Review-11/05: We have tax bill in file on page 211. This is where we computed property tax XXXX/12= XXXX. - Seller-11/05/2025 | Resolved-Upon further review, the subject taxes based on property tax report without exemption found on page 211. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - Guides require 3 months, borrower has 5<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum DSCR per guides is 0.75, borrower has 1.175. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6123780 |
| XXXX | 836349 | XXXX D A | Closed | FCRE2244 | 2025-11-03 15:02 | 2025-11-07 13:41 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the appraiser states wires are capped and no health/safety issues. Minimal Cost to cure. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-11/05: There is no issue, appraiser stated this does not present a health and safety hazard and is considered in the overall condition. - Seller-11/05/2025 <br>Open-Property Issues are identified for the property Damaged drywall with exposed wires, and noted by appraiser - Due Diligence Vendor-11/04/2025 | Ready for Review-11/05: There is no issue, appraiser stated this does not present a health and safety hazard and is considered in the overall condition. - Seller-11/05/2025<br>| Resolved-Upon further review, the appraiser states wires are capped and no health/safety issues. Minimal Cost to cure. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - Guides require 3 months, borrower has 5<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum DSCR per guides is 0.75, borrower has 1.175. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6104780 |
| XXXX | 838173 | XXXX C A | Closed | FCRE8701 | 2025-11-05 11:20 | 2025-11-18 07:26 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-After further review, the lender guides only require proof of 100% ownership. - Due Diligence Vendor-11/18/2025 <br> Counter-Received Operating Agreement-missing Art of Organization and confirmation of filing as new LLC. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/09/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Mtg is vested in an LLC. Provide LLC docs supporting borrower is 100% owner. Letter in file is from a PTIN showing ownership. LLC are required - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/09/2025<br>| Resolved-After further review, the lender guides only require proof of 100% ownership. - Due Diligence Vendor-11/18/2025<br>| DSCR % greater than 1.20 - .75 required. Borrower has 1.214<br>LTV is less than guideline maximum - LTV is 50%, 70% allowed |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6133415 |
| XXXX | 838173 | XXXX C A | Closed | FCRE0042 | 2025-11-05 14:47 | 2025-11-11 13:33 | Resolved | 1 - Information C A | Credit | Eligibility | Florida Foreign National Affidavit is missing or incomplete | Resolved-Received XX affidavit. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. 11/09: Completed copy is included in the loan package page 340. - Seller-11/09/2025 <br> Open-XXXX Affidavit is Missing or Incomplete. Affidavit is in file, however, section 3 is not complete - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. 11/09: Completed copy is included in the loan package page 340. - Seller-11/09/2025<br>| Resolved-Received FL affidavit. - Due Diligence Vendor-11/11/2025<br>| DSCR % greater than 1.20 - .75 required. Borrower has 1.214<br>LTV is less than guideline maximum - LTV is 50%, 70% allowed |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6143048 |
| XXXX | 838174 | XXXX D A | Closed | FCRE2244 | 2025-11-04 13:39 | 2025-11-24 14:15 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, the basement does not have exposed wiring the outlets are on the ceiling and the washer and dryer and sink pump are plugged in on the ceiling. - Due Diligence Vendor-11/24/2025 <br>Counter-Appraiser to specifically address exposed wiring in basement-confirming no health and safety issues - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. 11/09: Per appraisal report there are no deferred maintenance or needed repairs were noted. utilities/mechanicals, plumbing and electrical, were on and in working order at the time of inspection. - Seller-11/09/2025 <br>Open-Property Issues are identified for the property Multiple wires in unfinished basement, multiple locations from basement ceiling at around laundry area. Appraiser to comment that none are "exposed" wires" that are of a safety concern. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. 11/09: Per appraisal report there are no deferred maintenance or needed repairs were noted. utilities/mechanicals, plumbing and electrical, were on and in working order at the time of inspection. - Seller-11/09/2025<br>| Resolved-After further review, the basement does not have exposed wiring the outlets are on the ceiling and the washer and dryer and sink pump are plugged in on the ceiling. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrower score is 796<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR per guides is 0.85, borrower has 1.449 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6120648 |
| XXXX | 838174 | XXXX D A | Closed | FCRE0970 | 2025-11-04 14:28 | 2025-11-24 14:14 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Confirmed comparable 6 was removed from the report. - Due Diligence Vendor-11/24/2025 <br>Counter-Appraiser to clarify commentary on page 2 of appraisal-Summary of Sales Comparison Approach-reflecting information and +0.82% adjustment for active listing (Comp #6), however Comp #6 is blank/not included in report. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-11/09: Please provide clarification on which section does the +0.82% adjustment for active listing (Comp #6) were noted by the appraiser. There are only 5 comparable provided and this is already enough to support the value. No additional condition and documentation is needed. - Seller-11/09/2025 <br>Open-Commentary includes information and +0.82% adjustment for active listing (Comp #6), however Comp #6 is blank/not included in report. - Due Diligence Vendor-11/04/2025 | Ready for Review-11/09: Please provide clarification on which section does the +0.82% adjustment for active listing (Comp #6) were noted by the appraiser. There are only 5 comparable provided and this is already enough to support the value. No additional condition and documentation is needed. - Seller-11/09/2025<br>| Resolved-Confirmed comparable 6 was removed from the report. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrower score is 796<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR per guides is 0.85, borrower has 1.449 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6121743 |
| XXXX | 838174 | XXXX D A | Closed | FCRE1152 | 2025-11-04 16:40 | 2025-11-19 09:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property tax bill provided with total taxes ofXXXX (summer taxes of XXXX and winter taxes of XXXX) for XXXX. - Due Diligence Vendor-11/19/2025 <br> Counter-Received pay history for delinquent taxes. Finding is requesting Tax Info Sheet for subject transaction. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-11/13: This is a purchase property and this has nothing to do with the borrower. Seller has to pay for this to sell the property. For purchase proeprty, we do not check if its paid or not since it has nothing to do with borrower. - Seller-11/14/2025 <br> Counter-Received XXXX tax history-missing XXXX tax cert for subject property. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. 11/09: This is not a short sale transaction but a gift of equity. All taxes are aleady paid - XXXX Taxes (see attached documents for reference). Please take note these are already included on the loan package. - Seller-11/09/2025 <br> Open-Missing Evidence of Property Tax Missing evidence of property taxes. Tax sheet in file is blank and we cannot use tax bill, as that is based on previous owner. Provide updated tax sheet. - Due Diligence Vendor-11/04/2025 | Ready for Review-11/13: This is a purchase property and this has nothing to do with the borrower. Seller has to pay for this to sell the property. For purchase proeprty, we do not check if its paid or not since it has nothing to do with borrower. - Seller-11/14/2025 <br> Ready for Review-Document Uploaded. 11/09: This is not a short sale transaction but a gift of equity. All taxes are aleady paid - XXXX and XXXX Taxes (see attached documents for reference). Please take note these are already included on the loan package. - Seller-11/09/2025 | Resolved-Property tax bill provided with total taxes of XXXX (summer taxes of XXXX and winter taxes of XXXX6) for XXXX. - Due Diligence Vendor-11/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrower score is 796<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR per guides is 0.85, borrower has 1.449 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6124541 |
| XXXX | 838174 | XXXX D A | Closed | FCRE0151 | 2025-11-05 09:20 | 2025-11-19 09:19 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received proof delinquent taxes paid. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-11/13: This is a purchase property and this has nothing to do with the borrower. Seller has to pay for this to sell the property. For purchase proeprty, we do not check if its paid or not since it has nothing to do with borrower. - Seller-11/14/2025 <br> Counter-Received documentation regarding XXXX-title to confirm XXXX delinquent taxes paid current. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. 11/09: This is not a short sale transaction but a gift of equity. All taxes are already paid - XXXX and XXXX Taxes (see attached documents for reference). Please take note these are already included on the loan package. - Seller-11/09/2025 <br> Open-The subject property is not current on taxes. Provided evidence that XXXX delq taxes were paid in full by the seller prior to closing . File contains proof of XXXX only. If taxes were delq at time of closing, loan would be considered a bailout and not allowed per guides - Due Diligence Vendor-11/05/2025 | Ready for Review-11/13: This is a purchase property and this has nothing to do with the borrower. Seller has to pay for this to sell the property. For purchase proeprty, we do not check if its paid or not since it has nothing to do with borrower. - Seller-11/14/2025 <br> Ready for Review-Document Uploaded. 11/09: This is not a short sale transaction but a gift of equity. All taxes are already paid - XXXX and XXXX Taxes (see attached documents for reference). Please take note these are already included on the loan package. - Seller-11/09/2025 | Resolved-Received proof delinquent taxes paid. - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrower score is 796<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR per guides is 0.85, borrower has 1.449 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6131157 |
| XXXX | 838175 | XXXX D A | Closed | FCRE1202 | 2025-11-05 11:07 | 2026-01-27 15:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/11/2025 <br>Open-Third Party Fraud Report Partially Provided Seller was not listed on Fraud report. Provide Sellers info - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025<br>| Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/27/2026<br>| LTV is less than guideline maximum - LTV is 75% & Maximum is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 764 & Minimum 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6133203 |
| XXXX | 838175 | XXXX D A | Closed | FCRE0970 | 2025-11-05 16:59 | 2025-11-20 13:38 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated SSR. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Counter-Received corrected appraisal-missing updated SSRs-CU and LCA reflecting acceptable score. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Open-Appraisal states the Condo is 1 story, however, the pictures show it as a 4 story. Provide corrected appraisal - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-Received updated SSR. - Due Diligence Vendor-11/20/2025<br>| LTV is less than guideline maximum - LTV is 75% & Maximum is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 764 & Minimum 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6145741 |
| XXXX | 838175 | XXXX D A | Closed | FCRE1174 | 2025-11-05 10:44 | 2025-11-19 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Master policy covers 100% replacement residential structures coverage typically includes interior and exterior walls. - Due Diligence Vendor-11/19/2025 <br>Counter-Received remail confirm replacement cost coverage-missing confirmation master insurance includes Walls In/Betterment and Improvements as HO6 coverage is insufficient at $1,000 - Due Diligence Vendor-11/17/2025 <br>Ready for Review-What else is needed. We have email confirmation for the master policy and it cleared states: Confirm coverage amount is at least equal to 100% of the replacement cost value of the project improvements, including common elements and residential structures is included. - Seller-11/13/2025 <br>Counter-Received email regarding replacement coverage-missing proof that Master Policy includes "walls in". H06 in file is only reflecting 1k in coverage - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/09/2025 <br>Open-Condo Master Insurance Policy Partially Provided Provide proof that Master Policy includes "walls in". H06 in file is only reflecting 1k in coverage - Due Diligence Vendor-11/05/2025 | Ready for Review-What else is needed. We have email confirmation for the master policy and it cleared states: Confirm coverage amount is at least equal to 100% of the replacement cost value of the project improvements, including common elements and residential structures is included. - Seller-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/09/2025<br>| Resolved-Master policy covers 100% replacement residential structures coverage typically includes interior and exterior walls. - Due Diligence Vendor-11/19/2025<br>| LTV is less than guideline maximum - LTV is 75% & Maximum is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 764 & Minimum 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6132746 |
| XXXX | 838175 | XXXX D A | Closed | FCRE1440 | 2025-11-04 13:23 | 2025-11-17 15:06 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Per lender, Rent Free Letter not required. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Again we do not ask for rent free letter. This is not required. - Seller-11/13/2025 <br>Counter-Received property profile-missing rent free letter from the actual owner. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. 11/09: Please see attached property profile showing this was sold 11/2024 and borrower has no longer ownership of this property. For no primary housing expense, sent free letter is not required for this loan program. - Seller-11/09/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Final 1003 states no primary residence, however fraud report shows that that borrower owns the residence. Provide proof that borrower is not the owner, and a rent free letter from the actual owner. If borrower owns the primary, provide 12 mos. mtg history. Must reflect no more than 1 x 30 - Due Diligence Vendor-11/04/2025 | Ready for Review-Again we do not ask for rent free letter. This is not required. - Seller-11/13/2025 <br> Ready for Review-Document Uploaded. 11/09: Please see attached property profile showing this was sold XXXX and borrower has no longer ownership of this property. For no primary housing expense, sent free letter is not required for this loan program. - Seller-11/09/2025 | Resolved-Per lender, Rent Free Letter not required. - Due Diligence Vendor-11/17/2025<br>| LTV is less than guideline maximum - LTV is 75% & Maximum is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 764 & Minimum 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6120173 |
| XXXX | 838176 | XXXX C A | Closed | FCRE1232 | 2025-11-06 16:09 | 2026-01-30 10:43 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-01/30/2026 <br> Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. upon further review no adjustment was required to 1007 as based on long term leases. - Due Diligence Vendor-11/07/2025 <br> Open-The Calculated DSCR of '1.019' is less than the minimum DSCR per lender guidelines of '1.15'. Per guidelines, min DSCR is 1.15 & calculated 1.019. Guides stated to used the lower calc: 1007 reports XXXX per guides, reduced by 25%=XXXX. Alternate was to 12 mos statement net hit XXXX/12=XXXX which is higher than the 1007, mos had to use lower amount. - Due Diligence Vendor-11/06/2025 |  | Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-01/30/2026 <br>Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. upon further review no adjustment was required to 1007 as based on long term leases. - Due Diligence Vendor-11/07/2025<br>| LTV is less than guideline maximum - LTV 57.37, MIN 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 808, MIN 640 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6161796 |
| XXXX | 838177 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 838178 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 838179 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 838180 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 838181 | XXXX C A | Closed | FCRE1440 | 2025-11-05 14:42 | 2025-11-25 13:04 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage statement and credit updates. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. See screenshot, For XXXX CR already showing DLA as XXXX. - Seller-11/21/2025 <br> Counter-No new documents received. Screenshot labeled XXXX is a property profile confirming lien not disclosed. Missing proof of XXXX for XXXX. Received Missing proof ofXXXX and XXXX payments for XXXX. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-See screenshot, For 3549, CR already showing DLA as XXXX. - Seller-11/19/2025 <br> Counter-Received XXXX payment, missing proof of XXXX for XXXX. Received Property Profile for XXXX that confirms an active lien. Missing proof of XXXX and XXXX payments for XXXX. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Counter-Statement for XXXX provided, please provide the Statements for XXXX and XXXX properties. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Please see uploaded. - Seller-11/12/2025 <br> Counter-Statement for XXXX provided, please provide the statement for XXXX, XXXX and XXXX. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see uploaded - XXXX As per PP - It has been sold year XXXX(see uploaded PP). XXXX - Please see uploaded XXXX mortgage. XXXX - please see uploaded PP. - Seller-11/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Please provide proof of mortgage payments for XXXX & XXXX for REOs reported on the Credit report - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. See screenshot, For XXXX CR already showing DLA as XXXX. - Seller-11/21/2025 <br> Ready for Review-See screenshot, For XXXX, CR already showing DLA as XXXX - Seller-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Ready for Review-Document Uploaded. Please see uploaded. - Seller-11/12/2025 <br> Ready for Review-Document Uploaded. Please see uploaded - XXXX- As per PP - It has been sold year XXXX (see uploaded PP). XXXX - Please see uploaded XXXX mortgage. XXXX - please see uploaded PP. - Seller-11/06/2025 | Resolved-Received mortgage statement and credit updates. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 770, MIN 660<br>DSCR % greater than 1.20 - DSCR 1.394%, MIN .75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6142919 |
| XXXX | 838182 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 838183 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 838184 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 840153 | XXXX C A | Closed | FCRE1440 | 2025-11-05 15:16 | 2025-11-18 16:19 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOM provided supporting cancelled checks provided. Loan is in the name of an entity. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. The VOM should only be taken as an explanation for the missing payment of oct. <br> The borrower is not even the borrower for that mtg, is an LLC property of another party, its splitted in half.<br> You can see the "LOE loan amount" and the payoff demand comments<br> - Seller-11/13/2025 <br> Counter-Received Note. 12 months bank statements must be provided to document subject monthly mortgage payment, The VOM indicates that the Mortgage Payment is I/O only XXXX per month, Borrower provided Cancel Checks for payments of XXXX a month. Note only confirmed debt paid. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Please see uploaded Note and see page 349 on loan package (CD), It shows It has been paid off. - Seller-11/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements 12 months cancelled checks or 12 months bank statements must be provided to document subject monthly mortgage payment, The VOM indicates that the Mortgage Payment is I/O only XXXX per month, Borrower provided Cancel Checks for payments of XXXX a month were validated from XXXX to XXXX, also original Debtor in open Mortgage is XXXX and no Borrower. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. The VOM should only be taken as an explanation for the missing payment of XXXX. <br> The borrower is not even the borrower for that mtg, is an LLC property of another party, its splitted in half.<br> You can see the "LOE loan amount" and the payoff demand comments<br> - Seller-11/13/2025 <br> Ready for Review-Document Uploaded. Please see uploaded Note and see page 349 on loan package (CD), It shows It has been paid off. - Seller-11/08/2025 | Resolved-VOM provided supporting cancelled checks provided. Loan is in the name of an entity. - Due Diligence Vendor-11/18/2025<br>| Months Reserves exceed minimum required - The Borrower has reserves in the amount of 17.21 months; guideline minimum is 3 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The FICO score is 725; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6143579 |
| XXXX | 840154 | XXXX D A | Closed | FCRE1152 | 2025-11-05 16:06 | 2025-11-10 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax cert. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Rebuttal/Comment: Please see uploaded Tax Bill and this calculation below:<br> Tax rate - 2.18908% \* XXXX = XXXX<br> Tax rate - 2.18908% \* XXXX = XXXX<br>XXXX + XXXX = XXXX<br> $XXXX / 12 = XXXX - Seller-11/06/2025 <br> Open-Missing Evidence of Property Tax Used higher of per 1008, property tax calculation was not provided. Unable to determine from Tax Bills on purchase, Tax Record information sheet is blank. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Rebuttal/Comment: Please see uploaded Tax Bill and this calculation below:<br> Tax rate - 2.18908% \* XXXX = XXXX<br> Tax rate - 2.18908% \* XXXX = XXXX<br>XXXX + XXXX = XXXX<br> XXXX / 12 = XXXX - Seller-11/06/2025 | Resolved-Received tax cert. - Due Diligence Vendor-11/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR min is 0.75 and borrower has 1.148<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 and borrower has 764 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6144646 |
| XXXX | 840155 | XXXX C A | Closed | FCRE0045 | 2025-11-07 11:25 | 2025-11-12 13:51 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH Form. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Please see uploaded ACH - Seller-11/10/2025 <br>Open-Foreign National but the ACH form is Missing from file. Non-Perm resident, no ACH in file - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Please see uploaded ACH - Seller-11/10/2025<br>| Resolved-Received ACH Form. - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrower has 749<br>DSCR % greater than 1.20 - Min DSCR is 0.75, borrower has 1.408 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6172436 |
| XXXX | 840156 | XXXX C A | Closed | FCRE8701 | 2025-11-06 06:40 | 2025-11-12 13:54 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Operating Agreement . - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Provide documentation to support 100% ownership interest in a Limited Liability Company (LLC); XXXX. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Received Operating Agreement . - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 752; guideline minimum is 660. <br>Months Reserves exceed minimum required - The Borrower has reserves in the amount of 39.09; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6150454 |
| XXXX | 840157 | XXXX D A | Closed | FCRE1152 | 2025-11-06 15:56 | 2026-02-03 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/03/2026 <br> Resolved-Received tax calculation, review used Sales Price instead of the assessed value. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Please see our calculations below: <br> 10.8585 \* (Assesses value 196131) / 1000 : (2131.70 + special assessment 255.52) : (2387.22 / 12) : 198.93 - Seller-11/13/2025 <br> Counter-Received XXXX tax cert reflecting homestead. Review calculates XXXX annually (millage x Sales Price /$1,000+ Ad Valorem). Title to provide confirmation of annual taxes without exemptions. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Please note that the tax was calculated using the assessed value (XXXX) indicated in the tax bill. Thank you. - Seller-11/10/2025 <br> Counter-Current tax bill provided, please provide the tax calculation used for qualification. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please note that the - Seller-11/06/2025 <br> Open-Missing Evidence of Property Tax Documentation evidencing XXXX in taxes not provided - Due Diligence Vendor-11/06/2025 | Ready for Review-Please see our calculations below: <br> XXXX \* (Assesses value XXXX) / 1000 : (XXXX + special assessment XXXX) : (XXXX / 12) : XXXX - Seller-11/13/2025 <br> Ready for Review-Please note that the tax was calculated using the assessed value (XXXX) indicated in the tax bill. Thank you. - Seller-11/10/2025 <br> Ready for Review-Document Uploaded. Please note that the - Seller-11/06/2025 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/03/2026 <br>Resolved-Received tax calculation, review used Sales Price instead of the assessed value. - Due Diligence Vendor-11/14/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - The DSCR is .932; guideline minimum is .85.<br>Months Reserves exceed minimum required - The Borrower has reserves in the amount of 63.51 Months; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6161587 |
| XXXX | 840158 | XXXX C A | Closed | FCRE0970 | 2025-11-07 13:33 | 2025-11-21 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received Updated Appraisal. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Counter-Received partial 1007. Review pg 152 of loan file. Rent is noted as XXXX - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. 11/10: Can you please clarify what is needed on this condition? 1007 shows rent as XXXX - Seller-11/11/2025 <br> Open-1007 should reflect XXXX as monthly rent, actually reflects XXXX in error. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Ready for Review-Document Uploaded. 11/10: Can you please clarify what is needed on this condition? 1007 shows rent as XXXX - Seller-11/11/2025 | Resolved-Received Updated Appraisal. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640, borrower has 789<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is 0.75, borrower has 1.247 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6175181 |
| XXXX | 840158 | XXXX C A | Closed | FCRE4805 | 2025-11-07 13:01 | 2025-11-12 13:26 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/11/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements Loan closed in trust, missing documentation to support eligibility. Please provide copy of the trust or executed trust certification. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025<br>| Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640, borrower has 789<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is 0.75, borrower has 1.247 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6174542 |
| XXXX | 840159 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 840160 | XXXX C A | Closed | FCRE1510 | 2025-11-07 14:29 | 2025-11-17 13:27 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrected security instrument. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Uploaded revised DOT - Seller-11/13/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The borrower's name is duplicated on the mortgage. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Uploaded revised DOT - Seller-11/13/2025<br>| Resolved-Received corrected security instrument. - Due Diligence Vendor-11/17/2025<br>| LTV is less than guideline maximum - Max LTV 65%/ Subject LTV 50%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75% /Subject DSCR 1.127% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6176786 |
| XXXX | 840161 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 840223 | XXXX D A | Closed | FCRE1202 | 2025-11-07 10:19 | 2025-11-12 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Updated fraud report provided, including the seller. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-Third Party Fraud Report Partially Provided Fraud report shows uncleared alerts. In addition, the Seller was not listed on the list of participants - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Updated fraud report provided, including the seller. - Due Diligence Vendor-11/12/2025<br>| Long term residence - Long Term Residence = 20+ years<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.00. .75 allowed |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6170410 |
| XXXX | 840223 | XXXX D A | Closed | FCRE0008 | 2025-11-07 10:59 | 2025-11-12 13:38 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-The lender confirmed there is a prepay of this loan. - Due Diligence Vendor-11/12/2025 <br>Counter-Received CD and Tape still indicating no PP. No correction made with documents provided. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/08/2025 <br>Open-Lender states no prepay, however ,there is a prepay n this loan per the Note - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/08/2025<br>| Resolved-The lender confirmed there is a prepay of this loan. - Due Diligence Vendor-11/12/2025<br>| Long term residence - Long Term Residence = 20+ years<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.00. .75 allowed |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6171244 |
| XXXX | 840223 | XXXX D A | Closed | FCRE1440 | 2025-11-06 10:58 | 2025-11-11 15:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Death Certificate and Joint Survivorship Confirmation. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/08/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower claims primary property ownership, however, a property report in the file, shows it belongs to another person, same last name, but not our borrower. Provide proof borrower is actual owner , or provide a 12 mos. rental history showing no more than 1 x 30, or a rent free letter from the property owner. If borrower does not own property, he is considered a FTHB per the guides - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/08/2025<br>| Resolved-Received Death Certificate and Joint Survivorship Confirmation. - Due Diligence Vendor-11/11/2025<br>| Long term residence - Long Term Residence = 20+ years<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.00. .75 allowed | GL LTV is 75%max; FTHB reduced 5%; Subject LTV 70% | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6154215 |
| XXXX | 840223 | XXXX D A | Closed | FCRE8887 | 2025-11-07 10:13 | 2025-11-11 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received proof of ownership. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/08/2025 <br>Open-A corrected 1003 will be required if Lender cannot prove ownership of Primary. report in file shows that another person owns the Primary Residence - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/08/2025<br>| Resolved-Received proof of ownership. - Due Diligence Vendor-11/11/2025<br>| Long term residence - Long Term Residence = 20+ years<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.00. .75 allowed |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6170294 |
| XXXX | 841566 | XXXX C A | Closed | FCRE1206 | 2025-11-07 17:11 | 2025-11-12 13:45 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Please see uploaded updated data verify - Seller-11/10/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Seller not checked on against exclusionary lists. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Please see uploaded updated data verify - Seller-11/10/2025<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-11/12/2025<br>| DSCR % greater than 1.20 - DSCR 1.336%, MIN .75<br>LTV is less than guideline maximum - LTV 53.56%, MIN 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6179690 |
| XXXX | 841567 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 843550 | XXXX C A | Closed | FCRE1440 | 2025-11-10 10:04 | 2025-11-25 12:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Credit report shows the subject property HELOC was closed in XXXX. The mortgage statement reflects the borrower was not responsible for the primary residence. - Due Diligence Vendor-11/25/2025 <br> Counter-Statement for subject property provided. Original finding remains. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025 <br> Counter-No new document received. Property detail notes borrower as an owner. 12 month payment history for 1st and 2nd to be provided. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Per XXXX mtg stmt borrower is not financially responsible. So no 12 months rating is required.<br> Also about 80K, since borrower is not financial responsibility for 1st lien automatically no responsibility for 2nd lien also.<br> - Seller-11/19/2025 <br> Counter-Received bank statement. Statement did not reflect payment for mtg for primary. No documentation provided to address HELOC IAO XXXX also noted in finding. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. Please advised that borrower is not financially responsible. - Seller-11/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements No mortgages reporting on credit report, 1003 indicates ownership of primary and mortgage statement included indicates a different name on the statement. Per property detail report borrower is listed as a borrower on the primary, please provide 12 month payment history for primary. Additionally, the property detail report shows an XXXX HELOC on the subject property which does not show as being satisfied. Please provide evidence that subject is owned free and clear or 12 month housing history for HELOC loan on the subject property. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025 <br> Ready for Review-Per XXXX mtg stmt borrower is not financially responsible. So no 12 months rating is required.<br> Also about XXXX, since borrower is not financial responsibility for 1st lien automatically no responsibility for 2nd lien also.<br> - Seller-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. Please advised that borrower is not financially responsible. - Seller-11/14/2025 | Resolved-Credit report shows the subject property HELOC was closed in XXXX. The mortgage statement reflects the borrower was not responsible for the primary residence. - Due Diligence Vendor-11/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrower has 698.<br>DSCR % greater than 1.20 - Min DSCR is 0.85, Borrower has 1.3728 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6192243 |
| XXXX | 843551 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 843557 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 846977 | XXXX C A | Closed | FCRE0045 | 2025-11-12 13:21 | 2025-11-17 13:32 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH form. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Please see uploaded. - Seller-11/13/2025 <br>Open-Foreign National but the ACH form is Missing from file. Completed ACH form missing from the file. Please provide. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Please see uploaded. - Seller-11/13/2025<br>| Resolved-Received ACH form. - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - 170 Months Reserves, MIN 3<br>DSCR =/> 1.00 and minimum is 0.85 or Less - MIN .75, DSCR 1.002 Required is 0.85 Borrower has 1.002 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6226681 |
| XXXX | 846977 | XXXX C A | Closed | FCRE8701 | 2025-11-12 10:09 | 2025-11-17 13:30 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received operating agreement - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Please see uploaded. - Seller-11/13/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Provide Operating Agreement and all other LLC documents. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Please see uploaded. - Seller-11/13/2025<br>| Resolved-Received operating agreement - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - 170 Months Reserves, MIN 3<br>DSCR =/> 1.00 and minimum is 0.85 or Less - MIN .75, DSCR 1.002 Required is 0.85 Borrower has 1.002 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6222386 |
| XXXX | 847605 | XXXX C A | Closed | FCRE1204 | 2025-11-12 11:08 | 2025-11-18 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-LOX provided and an updated fraud report. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report reflects an uncleared high alert for possible misuse of borrower's primary residence and subject property. Reviewed and found no evidence of such in file. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-LOX provided and an updated fraud report. - Due Diligence Vendor-11/18/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.168 DSCR minimum is .75 Required is 0.75 Borrower has 1.168<br>LTV is less than guideline maximum - Required is 75 Borrower has 37.06<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 786 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6223455 |
| XXXX | 847605 | XXXX C A | Closed | FCRE0184 | 2025-11-12 11:14 | 2025-11-17 12:49 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Cash out Letter - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Cash out letter not in file - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Resolved-Received Cash out Letter - Due Diligence Vendor-11/17/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.168 DSCR minimum is .75 Required is 0.75 Borrower has 1.168<br>LTV is less than guideline maximum - Required is 75 Borrower has 37.06<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 786 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6223544 |
| XXXX | 849222 | XXXX D A | Closed | FCRE1152 | 2025-11-13 14:24 | 2025-11-24 12:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received calculation-raw land tax cert in file. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. UW based on total tax rate showing on 2nd page (Assessment information) on the uploaded tax bill. <br> XXXX/100=XXXX<br> XXXX-XXXX (Purchase Price) = XXXX<br> XXXX/12 - XXXX - Seller-11/20/2025 <br> Counter-No document uploaded. Rate used in noted calculation is not supported with Tax Detail provided in loan file pg 269. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-XXXX \* XXXX / 12 = XXXX<br> - Seller-11/15/2025 <br> Open-Missing Evidence of Property Tax Missing evidence of property tax calculation. Lender 1008 puts monthly property taxes at XXXX, Tax cert in file has monthly at XXXX (annual XXXX). Tax Record Information sheet is blank, please provide tax calculation. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. UW based on total tax rate showing on 2nd page (Assessment information) on the uploaded tax bill. <br> XXXX/100=XXXX<br> XXXX-XXXX (Purchase Price) = XXXX<br> XXXX/12 - XXXX - Seller-11/20/2025 <br> Ready for Review-XXXX \* XXXX / 12 =XXXX<br> - Seller-11/15/2025 | Resolved-Received calculation-raw land tax cert in file. - Due Diligence Vendor-11/24/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.091 Required is 0.75 Borrower has 1.091<br>Months Reserves exceed minimum required - Minimum is 3, borrower has 73.11 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6243365 |
| XXXX | 849226 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 849227 | XXXX D A | Closed | FCRE1152 | 2025-11-14 10:39 | 2025-11-19 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Cert reflecting tax rates. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Please note that per underwriter calculation: <br>First he divided the rate XXXX/100= XXXX<br> .028784 \* purchase price= XXXX<br> XXXX/12= XXXX- Seller-11/17/2025 <br> Open-Missing Evidence of Property Tax Tax cert in file is based on vacant land. Provide proof of monthly tax amount used by Lender - Due Diligence Vendor-11/14/2025 | Ready for Review-Please note that per underwriter calculation: <br>First he divided the rate XXXX/100= XXXX<br> XXXX \* purchase price= XXXX<br> XXXX/12= XXXX- Seller-11/17/2025 | Resolved-Received Tax Cert reflecting tax rates. - Due Diligence Vendor-11/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.728 Required is 0.75 Borrower has 1.728<br>LTV is less than guideline maximum - Required is 70 Borrower has 40 Required is 70 Borrower has 40 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6253232 |
| XXXX | 849228 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 850711 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 854712 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 857913 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 857914 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 857916 | XXXX C A | Closed | FCRE1440 | 2025-11-20 10:35 | 2025-12-03 14:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Verification of the borrower's primary housing history for the XXXX program is not required, unless it reports on the credit report, on refinance transactions. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Borrower is living rent free in the Current Residence – BUT the Borrower owns the Subject's Property.<br> For DSCR Programs, we do not request VOR or Rent Free Letter since BWR is not First Time Home Buyer per guideline<br> - Seller-11/29/2025 <br> Counter-Received payoff. Missing VOR or Rent Free letter from primary residence property owner.. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Please see uploaded mortgage and payoff statement. - Seller-11/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Please provide VOR or Rent Free letter from primary residence property owner. - Due Diligence Vendor-11/24/2025 | Ready for Review-Borrower is living rent free in the Current Residence – BUT the Borrower owns the Subject's Property.<br> For DSCR Programs, we do not request VOR or Rent Free Letter since BWR is not First Time Home Buyer per guideline<br> - Seller-11/29/2025 <br>Ready for Review-Document Uploaded. Please see uploaded mortgage and payoff statement. - Seller-11/24/2025<br>| Resolved-Verification of the borrower's primary housing history for the Investor Advantage program is not required, unless it reports on the credit report, on refinance transactions. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 Required is 700 Borrower has 731<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .75, borrower has 1.186 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6321405 |
| XXXX | 857916 | XXXX C A | Closed | FCRE8701 | 2025-11-20 10:09 | 2025-11-26 12:56 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Operating Agreement. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-11/24/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Provide Operating Agreement for LLC. Missing proof borrower(s) have 100% ownership interest and it is documented by the organization documentation - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-11/24/2025<br>| Resolved-Received Business Operating Agreement. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 Required is 700 Borrower has 731<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .75, borrower has 1.186 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6320835 |
| XXXX | 857917 | XXXX C A | Closed | FCRE1440 | 2025-11-20 22:38 | 2025-11-26 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, VOR for the Primary Residence is not required. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Please see uploaded PP, borrower is not financial responsible of the property. - Seller-11/24/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR: Housing history must be evidenced by VOR OR 12 months Proof of Payment OR Credit Supplement<br> - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Please see uploaded PP, borrower is not financial responsible of the property. - Seller-11/24/2025<br>| Resolved-Upon further review, VOR for the Primary Residence is not required. - Due Diligence Vendor-11/26/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.009 Required is 0.75 Borrower has 1.008<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 688 Required is 660 Borrower has 688 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6335043 |
| XXXX | 864269 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 864273 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865265 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865266 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 865269 | XXXX D B A | Closed | FPRO1115 | 2026-02-10 12:58 | 2026-02-10 12:58 | Waived | 1 - Information B | Property | Appraisal | Secondary Valuation Tolerance Issue | Waived-- File contains 2 secondary valuation products. Desk Review exceeds -10% tolerance and second full appraisal obtained to support value within -10%. Variance is zero. Waiver applied to non-material finding. - Due Diligence Vendor-02/10/2026 |  | Waived-- File contains 2 secondary valuation products. Desk Review exceeds -10% tolerance and second full appraisal obtained to support value within -10%. Variance is zero. Waiver applied to non-material finding. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 750<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.242 Required is 0.85 Borrower has 1.242 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 7541489 |
| XXXX | 865269 | XXXX D B A | Closed | FCRE1158 | 2025-11-26 16:53 | 2025-12-02 13:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received full Hazard Insurance Policy. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-11/27/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing previous Declarations page. Invoice indicates XXXX - XXXX. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/27/2025<br>| Resolved-Received full Hazard Insurance Policy. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 750<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.242 Required is 0.85 Borrower has 1.242 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6409087 |
| XXXX | 865272 | XXXX D A | Closed | FCRE1161 | 2025-11-23 11:58 | 2025-12-02 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Certificate - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Sorry for the inconvenience, i just upload it . - Seller-11/26/2025 <br>Counter-Review did not receive upload-please re upload. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Uploaded flood cert - Seller-11/25/2025 <br>Open-Missing Flood Certificate; additional findings may apply. - Due Diligence Vendor-11/23/2025 | Ready for Review-Document Uploaded. Sorry for the inconvenience, i just upload it . - Seller-11/26/2025 <br>Ready for Review-Uploaded flood cert - Seller-11/25/2025<br>| Resolved-Received Flood Certificate - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.105 Required is 0.75 Borrower has 1.075 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6356319 |
| XXXX | 865274 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865276 | XXXX C B A | Closed | FCRE1248 | 2025-11-24 08:02 | 2026-01-12 12:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Waiver/Exception provided for the Non-Arm's length transaction allow on this flip transaction. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Counter-Guideline requirements have not been met, it does not appear this finding can be cleared/resolved. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Could you please provide additional information on how to satisfy the below condition? Thank you. - Seller-01/05/2026 <br>Counter-After further by management, there are notes in the file that specifically state that the seller is selling the property to a family member, and there is a gift of equity noted on the final CD. 2nd appraisal report does not negate what was already provided in the borrower file. Condition remains - Due Diligence Vendor-01/02/2026 <br>Ready for Review-A copy of the 2nd appraisal report was provided indicating that this is an arms length transaction. Thank you. - Seller-12/31/2025 <br>Counter-Flip transactions are subject to the following: All transactions must be arm's length, with no identity of interest between the buyer and the property seller or other parties participating in the sales transaction. Finding cannot be "Resolved." A Lender exception was not found in file to allow non-arms length on a flip transaction.<br> - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Could you please provide us additional information on what is needed to satisfy this condition? - Seller-12/19/2025 <br>Counter-Received appraisal. Final CD reflect gift of equity. - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. Please see attached copy of the appraisal report. - Seller-12/17/2025 <br>Counter-No document provided. Notes in file indicate seller is selling property to a family member. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Please refer to page 268 (appraisal report) of the loan package stating that this is an arms length sale. Thank you. - Seller-12/08/2025 <br>Counter-Flip transactions are subject to the following: All transactions must be arm's length, with no identity of interest between the buyer and the property seller or other parties participating in the sales transaction. A Lender exception was not found in file to allow non-arms length on a flip transaction. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Could you please provide us additional information or specific document needed to satisfy this condition? - Seller-11/29/2025 <br>Open-Flip Transactions, and per guides-All transactions must be arm's length, with no identity of interest between the buyer and the property seller or other parties participating in the sales transaction. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Ready for Review-Could you please provide additional information on how to satisfy the below condition? Thank you. - Seller-01/05/2026 <br>Ready for Review-A copy of the 2nd appraisal report was provided indicating that this is an arms length transaction. Thank you. - Seller-12/31/2025 <br>Ready for Review-Could you please provide us additional information on what is needed to satisfy this condition? - Seller-12/19/2025 <br>Ready for Review-Document Uploaded. Please see attached copy of the appraisal report. - Seller-12/17/2025 <br>Ready for Review-Please refer to page 268 (appraisal report) of the loan package stating that this is an arms length sale. Thank you. - Seller-12/08/2025 <br>Ready for Review-Could you please provide us additional information or specific document needed to satisfy this condition? - Seller-11/29/2025<br>| Waived-Waiver/Exception provided for the Non-Arm's length transaction allow on this flip transaction. - Due Diligence Vendor-01/12/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR Required is 0.85 Borrower has 1.065. Required is 0.85 Borrower has 1.065<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 775. Required is 660 Borrower has 775 | Good Credit score (775)<br> No late payment history | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6359754 |
| XXXX | 865278 | XXXX C A | Closed | FCRE8201 | 2025-11-26 11:47 | 2026-01-06 10:39 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Per title the borrower has been on title since XXXX. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Please note that an appraisal is there to verify the value and condition of the property, not to verify the title and public record and check prior ownership. - Seller-01/05/2026 <br> Counter-Received QCD from XXXX. Finding remains. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Counter-Received Record Search. Missing proof of prior ownership to meet guideline. A minimum borrower seasoning requirement of six (6) months is required for a transaction to be eligible for cash-out. Current vesting is only 4 months. Finding remains. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Open-Per title and public record Subject closed on XXXX , there is not indication of Borrower's prior ownership, if Delay Financing, provide the required documentation and Transaction must be an Arm's-Length. - Due Diligence Vendor-11/26/2025 | Ready for Review-Please note that an appraisal is there to verify the value and condition of the property, not to verify the title and public record and check prior ownership. - Seller-01/05/2026 <br>Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-Per title the borrower has been on title since XXXX. - Due Diligence Vendor-01/06/2026 |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6402494 |
| XXXX | 865278 | XXXX C A | Closed | FCRE2244 | 2025-11-26 10:35 | 2026-01-06 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, the XXXX transaction was not recorded prior to the appraisal being completed. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-Property Issues are identified for the property Appraisal did not address the recent Sale on the property, subject was sold on XXXX per title and public record. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-After further review, the XXXX transaction was not recorded prior to the appraisal being completed. - Due Diligence Vendor-01/06/2026 |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6400238 |
| XXXX | 865278 | XXXX C A | Closed | FCRE1151 | 2025-11-26 11:36 | 2025-12-24 11:54 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Counter-Received Title previously provided reflecting only ownership of XXXX. Missing prior ownership. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Open-Unsatisfactory Chain of Title provided. Provide Evidence of Borrower's ownership Prior to XXXX - Per title and public record-no indication of Borrower's ownership prior to this date. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-12/24/2025<br>|  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6402298 |
| XXXX | 865279 | XXXX C A | Closed | FCRE1510 | 2025-11-23 20:55 | 2025-12-22 13:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. Please note recorded DOT per title last page is exhibit A . - Seller-12/18/2025 <br>Counter-Commitment legal provided, however we are missing exhibit a according to the Mortgage. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Uploaded DOT with legal description - Seller-12/05/2025 <br>Counter-Received legal from title commitment-please provide security instrument with legal description attached within chain - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Counter-Legal description not provided. Schedule B was provided. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Uploaded legal description - Seller-11/28/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ---- missing legal description of property - Exhibit A - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Please note recorded DOT per title last page is exhibit A . - Seller-12/18/2025 <br>Ready for Review-Document Uploaded. Uploaded DOT with legal description - Seller-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Ready for Review-Document Uploaded. Uploaded legal description - Seller-11/28/2025<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 Required is 700 Borrower has 785<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.402 Required is 0.75 Borrower has 1.402<br>LTV is less than guideline maximum - Required is 80 Borrower has 43.26 Required is 80 Borrower has 43.26 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6356896 |
| XXXX | 865281 | XXXX C A | Closed | FCRE2244 | 2025-11-25 11:35 | 2025-12-02 14:04 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the loan file contained CO detectors, smore alarms and water heater certification. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Please note that we have provided CO detectors, smore alarms and water heater certification.<br> Refer to pages 186 - 187 of loan package. - Seller-11/27/2025 <br>Open-Property Issues are identified for the property Per appraiser: Smoke and CO detectors were not present on the first or second floors. This represents a safety deficiency requiring correction. - Due Diligence Vendor-11/25/2025 | Ready for Review-Please note that we have provided CO detectors, smore alarms and water heater certification.<br> Refer to pages 186 - 187 of loan package. - Seller-11/27/2025<br>| Resolved-Upon further review, the loan file contained CO detectors, smore alarms and water heater certification. - Due Diligence Vendor-12/02/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 64.62 Required is 75 Borrower has 64.62<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 Required is 700 Borrower has 735<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.041 Required is 0.75 Borrower has 1.041 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6384700 |
| XXXX | 865282 | XXXX C B A | Closed | FCRE8701 | 2025-11-26 15:05 | 2025-12-02 12:33 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received operating agreement showing single ownership. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-11/28/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-11/28/2025<br>| Resolved-Received operating agreement showing single ownership. - Due Diligence Vendor-12/02/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.25 Required is 0.75 Borrower has 1.25<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 682 Required is 660 Borrower has 682 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6407587 |
| XXXX | 865282 | XXXX C B A | Closed | FCRE1200 | 2025-11-25 16:30 | 2025-12-02 11:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator waiver applied to finding and pricing adjustment for loan amount. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-11/28/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Audited loan amount is XXXX. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-11/28/2025<br>| Waived-Originator waiver applied to finding and pricing adjustment for loan amount. - Due Diligence Vendor-12/02/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.25 Required is 0.75 Borrower has 1.25<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 682 Required is 660 Borrower has 682 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6390462 |
| XXXX | 865283 | XXXX C B A | Closed | FCRE8701 | 2025-11-26 21:12 | 2025-12-09 13:05 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received signed Operating agreement. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Uploaded signed single LLC - Seller-12/08/2025 <br>Counter-Single-Member LLC operating Agreement provided is not signed. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Uploaded executed operating agreement - Seller-12/03/2025 <br>Counter-Operating agreement is not executed by the borrower. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Uploaded Operating agreement - Seller-11/28/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. The Business Entity Formation Document is Missing, need to confirm Borrower 100% ownership interest. - Due Diligence Vendor-11/27/2025 | Ready for Review-Document Uploaded. Uploaded signed single LLC - Seller-12/08/2025 <br>Ready for Review-Document Uploaded. Uploaded executed operating agreement - Seller-12/03/2025 <br>Ready for Review-Document Uploaded. Uploaded Operating agreement - Seller-11/28/2025<br>| Resolved-Received signed Operating agreement. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 777. Required is 700 Borrower has 777<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR Required is 0.85 Borrower has 1.372 Required is 0.85 Borrower has 1.372 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6411470 |
| XXXX | 865283 | XXXX C B A | Closed | FCRE1200 | 2025-11-26 09:17 | 2025-12-05 12:20 | 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, applied to non material finding with comp factors - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Uploaded revised exception - Seller-12/03/2025 <br> Counter-Revised exception required, subject transaction closed with a loan amount of XXXX. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please note that we have a management exception: <br> Loan Approved at XXXX with XXXX Pricing LLPA<br> 1. Credit Profile - Seller-11/28/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Loan amount is XXXX minimum require is XXXX - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Uploaded revised exception - Seller-12/03/2025 <br> Ready for Review-Document Uploaded. Please note that we have a management exception: <br> Loan Approved at XXXX with XXXX Pricing LLPA<br> 1. Credit Profile - Seller-11/28/2025 | Waived-Originator provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 777. Required is 700 Borrower has 777<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR Required is 0.85 Borrower has 1.372 Required is 0.85 Borrower has 1.372 | 1.75 Pricing LLPA<br> Credit Profile. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 6398522 |
| XXXX | 865284 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865285 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865286 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865287 | XXXX C A | Closed | FCRE1206 | 2025-11-26 14:52 | 2025-12-09 15:04 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-XXXX and XXXX received for the borrower's LLC. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Please note that borrower's LLC cannot be included on Fraud report, however we have already provided operating agreement. - Seller-12/03/2025 <br> Counter-All Interested Parties Not Checked with Exclusionary Lists Borrower's LLC was not included in Fraud Report search received. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Uploaded revised data verify - Seller-11/28/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser, Appraisal Company & Borrower's LLC were not included in Fraud Report search. - Due Diligence Vendor-11/26/2025 | Ready for Review-Please note that borrower's LLC cannot be included on Fraud report, however we have already provided operating agreement. - Seller-12/03/2025 <br>Ready for Review-Document Uploaded. Uploaded revised data verify - Seller-11/28/2025<br>| Resolved-XXXX and XXXX received for the borrower's LLC. - Due Diligence Vendor-12/09/2025 | Months Reserves exceed minimum required - 12.82 mos reserves; 3 mos required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.221 DSCR Required is 0.75 Borrower has 1.221<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6407347 |
| XXXX | 865288 | XXXX C A | Closed | FCRE1198 | 2025-11-25 16:24 | 2025-12-03 15:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, the assets are sufficient with the XXXX gift that is verified. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-We only required XXXX of reserves, we have XXXX of assets and borrower provided XXXX of fund to close.<br> So if we rest XXXX – XXXX = XXXX giving us enough for reserves.<br> Also for the gift , we didn't use the whole XXXX, we only use XXXX (which is in loan package) , there is a check and per guidelines gift letter can specify the actual or the maximum dollar amount so we are good. <br> - Seller-11/27/2025 <br> Open-Audited Reserves of 2.23 month(s) are less than Guideline Required Reserves of 3 month(s). Provide sufficient assets to support assets requited. Missing copy of the wire of transfer to to title for the Gift in the amount of XXXX. - Due Diligence Vendor-11/25/2025 | Ready for Review-We only required XXXX of reserves, we have XXXX of assets and borrower provided XXXX of fund to close.<br> So if we rest XXXX – XXXX= XXXX giving us enough for reserves.<br> Also for the gift , we didn't use the whole XXXX, we only use XXXX (which is in loan package) , there is a check and per guidelines gift letter can specify the actual or the maximum dollar amount so we are good. <br> - Seller-11/27/2025 | Resolved-After further review, the assets are sufficient with the XXXX gift that is verified. - Due Diligence Vendor-12/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 751 and minimum allowed is 700. Required is 700 Borrower has 751<br>LTV is less than guideline maximum - LTV = 75% - Max LTV = 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6390388 |
| XXXX | 865290 | XXXX C A | Closed | FCRE8701 | 2025-11-26 14:14 | 2025-12-05 12:07 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Document was provided; borrower has 100% ownership interest and it is documented by the operating agreement. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see uploaded LLC. - Seller-11/28/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see uploaded LLC. - Seller-11/28/2025<br>| Resolved-The Business Entity Formation Document was provided; borrower has 100% ownership interest and it is documented by the operating agreement. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 Required is 660 Borrower has 773<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.588 Required is 0.75 Borrower has 1.588 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6406273 |
| XXXX | 865291 | XXXX D A | Closed | FCRE8013 | 2025-11-26 10:13 | 2025-12-03 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Purchase contract provided in the name of the entity. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Please note that we have provided purchase agreement reflecting on the first page, the printed name of the consumer as the LLC. - Seller-12/03/2025 <br>Counter-When closing a purchase transaction in a LLC vesting, the LLC must be the purchaser on the sale contract. Need contract listing LLC as buyer. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Uploaded purchase agreement - Seller-12/01/2025 <br>Counter-Provide updated purchase contract. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Just to confirm , we don't need to provide anything for this condition ? - Seller-11/26/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. When closing a purchase transaction in a LLC vesting, the LLC must be the purchaser on the sale contract. - Due Diligence Vendor-11/26/2025 | Ready for Review-Please note that we have provided purchase agreement reflecting on the first page, the printed name of the consumer as the LLC. - Seller-12/03/2025 <br>Ready for Review-Document Uploaded. Uploaded purchase agreement - Seller-12/01/2025 <br>Ready for Review-Just to confirm , we don't need to provide anything for this condition ? - Seller-11/26/2025<br>| Resolved-Purchase contract provided in the name of the entity. - Due Diligence Vendor-12/03/2025 | LTV is less than guideline maximum - Max is 75%, Borrowers have 64.84%. Required is 75 Borrower has 64.84<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrowers have 771. Required is 700 Borrower has 771<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.001, min required is 0.85. Required is 0.85 Borrower has 1.001 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6399678 |
| XXXX | 865291 | XXXX D A | Closed | FCRE1152 | 2025-11-25 11:37 | 2025-12-03 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax bill provided. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Please note that per title: Q2 taxes due XXXX in the amount of XXXX have been paid by Seller. Confirmed with the XXXX. Next due is XXXX on XXXX - Seller-12/03/2025 <br> Open-Missing Evidence of Property Tax Missing evidence of property tax calculation, Tax Bill cannot be used on purchase transaction. - Due Diligence Vendor-11/25/2025 | Ready for Review-Please note that per title: Q2 taxes due XXXX in the amount of XXXX have been paid by Seller. Confirmed with the XXXX. Next due is XXXX on XXXX - Seller-12/03/2025 | Resolved-Tax bill provided. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - Max is 75%, Borrowers have 64.84%. Required is 75 Borrower has 64.84<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrowers have 771. Required is 700 Borrower has 771<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.001, min required is 0.85. Required is 0.85 Borrower has 1.001 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6384719 |
| XXXX | 865291 | XXXX D A | Closed | FCRE1202 | 2025-11-26 10:03 | 2025-12-02 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Third Party Fraud Report including B2. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Please note that is not showing B2 name on the first page however on page 5 we have the information for XXXX. - Seller-12/01/2025 <br> Counter-Received Fraud report for B1. Missing fraud report for B2. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Uploaded revised data verify - Seller-11/26/2025 <br> Open-Third Party Fraud Report Partially Provided Missing fraud report for B2. Additional conditions may apply, pending review. - Due Diligence Vendor-11/26/2025 | Ready for Review-Please note that is not showing B2 name on the first page however on page 5 we have the information for XXXX. - Seller-12/01/2025 <br> Ready for Review-Document Uploaded. Uploaded revised data verify - Seller-11/26/2025 | Resolved-Received Third Party Fraud Report including B2. - Due Diligence Vendor-12/02/2025<br>| LTV is less than guideline maximum - Max is 75%, Borrowers have 64.84%. Required is 75 Borrower has 64.84<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrowers have 771. Required is 700 Borrower has 771<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.001, min required is 0.85. Required is 0.85 Borrower has 1.001 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6399396 |
| XXXX | 865291 | XXXX D A | Closed | FCRE8701 | 2025-11-25 11:21 | 2025-12-01 12:30 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Operating Agreement. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. Uploaded operating agreement - Seller-11/26/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. DOT vested in business entity and formation docs/operating agreement missing. Additional conditions may apply, pending review. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Uploaded operating agreement - Seller-11/26/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-12/01/2025<br>| LTV is less than guideline maximum - Max is 75%, Borrowers have 64.84%. Required is 75 Borrower has 64.84<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrowers have 771. Required is 700 Borrower has 771<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.001, min required is 0.85. Required is 0.85 Borrower has 1.001 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6384235 |
| XXXX | 865292 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 865293 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865294 | XXXX C A | Closed | FCRE2244 | 2025-11-25 14:42 | 2026-01-27 15:30 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received 1004D indicating all repairs have been completed - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Please note that per 1004D appraisal comments that repairs items are complete and that conditions or requirements have been satisfied - Seller-11/26/2025 <br>Open-Property Issues are identified for the property Unit 2 porch roof appears to be damaged (pdf pg 411). Appraiser appears to have circled image but left no comment on it. Please clarify that this damage does not represent a structural issue. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please note that per 1004D appraisal comments that repairs items are complete and that conditions or requirements have been satisfied - Seller-11/26/2025<br>| Resolved-Received 1004D indicating all repairs have been completed - Due Diligence Vendor-12/02/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.944 Required is 0.75 Borrower has 1.944<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777 Required is 660 Borrower has 777 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6388111 |
| XXXX | 865295 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865296 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865298 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865299 | XXXX C B A | Closed | FCRE1492 | 2025-11-26 12:36 | 2025-12-09 13:14 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator provided a waiver for missing a portion of the source of funds from delayed financing, applied to non material finding with comp factors - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please note that we have a management exception: <br> Exception provided the sources of funds for the purchase transaction documented from Delayed financing.<br> - Good CR score (772)<br> - low LTV (69%)<br> - Seller-12/05/2025 <br> Counter-Loan amount guidelines requirements have been met, however the guidelines state the sources of funds for the purchase transaction are documented (such as bank statements, personal loan documents, or a HELOC<br> on another property). Finding remains. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Please note that regardless of the cash to close due from the buyer being XXXX, our borrower could only provide asset documentation for XXXX. The guideline states that the new loan amount cannot be more than the actual documented amount of the borrower's initial investment in purchasing the property. Our current loan amount is XXXX; we are within guidelines, there is no need to document missing cash to close or EMD. - Seller-12/03/2025 <br> Counter-Settlement Statement for Original Purchase indicates XXXX EMD and XXXX Cash to Close. XXXX XXXX only shows XXXX Wire to Title. File is missing remaining funds used for Purchase. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Uploaded financing documents - Seller-11/26/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Missing delayed financing documents - Original HUD 1 and the assets used to purchase the subject. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please note that we have a management exception: <br> Exception provided the sources of funds for the purchase transaction documented from Delayed financing.<br> - Good CR score (772)<br> - low LTV (69%)<br> - Seller-12/05/2025 <br> Ready for Review-Please note that regardless of the cash to close due from the buyer being XXXX, our borrower could only provide asset documentation for XXXX. The guideline states that the new loan amount cannot be more than the actual documented amount of the borrower's initial investment in purchasing the property. Our current loan amount is XXXX; we are within guidelines, there is no need to document missing cash to close or EMD. - Seller-12/03/2025 <br> Ready for Review-Document Uploaded. Uploaded financing documents - Seller-11/26/2025 | Waived-Originator provided a waiver for missing a portion of the source of funds from delayed financing, applied to non material finding with comp factors - Due Diligence Vendor-12/09/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.118 Required is 0.75 Borrower has 1.118<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 772 Required is 680 Borrower has 772<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.06 Required is 75 Borrower has 69.06 | Good CR score (772)<br> Low LTV (69%) | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6403797 |
| XXXX | 865299 | XXXX C B A | Closed | FCRE0184 | 2025-11-24 19:18 | 2025-12-02 16:29 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Business Purpose Affidavit in file - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Uploaded business purpose loan certificate - Seller-11/26/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Uploaded business purpose loan certificate - Seller-11/26/2025<br>| Resolved-Business Purpose Affidavit in file - Due Diligence Vendor-12/02/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.118 Required is 0.75 Borrower has 1.118<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 772 Required is 680 Borrower has 772<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.06 Required is 75 Borrower has 69.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6375146 |
| XXXX | 865300 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865301 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 865302 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865303 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865304 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865305 | XXXX C A | Closed | FCRE0183 | 2025-11-26 12:02 | 2025-12-02 15:45 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Upon further review not required. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Can you please provide sample of the spousal consent to pledge form? Thank you - Seller-11/27/2025 <br>Open-The required spousal consent to pledge form is missing. The required spousal consent to pledge form is missing. - Due Diligence Vendor-11/26/2025 | Ready for Review-Can you please provide sample of the spousal consent to pledge form? Thank you - Seller-11/27/2025<br>| Resolved-Upon further review not required. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 690 Required is 660 Borrower has 690<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is 0.75 Borrower has 1.002 Required is 0.75 Borrower has 1.002 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6402970 |
| XXXX | 865305 | XXXX C A | Closed | FCRE1159 | 2025-11-26 11:02 | 2025-12-02 12:18 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received updated Hazard Insurance with effective Date of XXXX, this is after the Note Date of XXXX but same day as PC CD disbursement date. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-11/28/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Provide Hazard Insurance with an Effective Date on or before the Note Date of XXXX - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/28/2025<br>| Resolved-Received updated Hazard Insurance with effective Date of 11-07-2025, this is after the Note Date of 11-01-2025 but same day as PC CD disbursement date. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 690 Required is 660 Borrower has 690<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is 0.75 Borrower has 1.002 Required is 0.75 Borrower has 1.002 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6400752 |
| XXXX | 865306 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 865307 | XXXX A | Closed | FCRE1440 | 2025-11-26 13:50 | 2025-12-03 15:05 | Resolved | 1 - Information A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-per guideline, there is no requiring of evidence living rent free. No additional Housing History is required - Due Diligence Vendor-12/03/2025 <br> Ready for Review-11/26 - Rebuttal/Comment: Please note that per guideline, there is no requiring of evidence living rent free. No additional Housing History is required - Seller-11/27/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide Rent Free letter from property owner for primary residence. Missing payment history for XXXX or proof free and clear. - Due Diligence Vendor-11/26/2025 | Ready for Review-11/26 - Rebuttal/Comment: Please note that per guideline, there is no requiring of evidence living rent free. No additional Housing History is required - Seller-11/27/2025<br>| Resolved-per guideline, there is no requiring of evidence living rent free. No additional Housing History is required - Due Diligence Vendor-12/03/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is 0.75 Borrower has 1.003 Required is 0.75 Borrower has 1.003<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.13 Required is 80 Borrower has 66.13 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6405541 |
| XXXX | 865308 | XXXX C A | Closed | FCRE1254 | 2025-11-26 13:03 | 2025-12-08 14:47 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-12/08/2025 <br> Ready for Review-12/04 - Please refer to page 16 of submitted Final Title Policy - schedule A item #3, it already reflect vesting and per page 2/7 of appraisal report it already said that HAD NO OTHER<br> SALES OR TRANSACTIONS IN THE PAST 36 MONTHS. - Seller-12/04/2025 <br> Counter-Received Title. Missing 24 months vesting. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Property Title Issue Missing Purposed vesting - Due Diligence Vendor-11/26/2025 | Ready for Review-12/04 - Please refer to page 16 of submitted Final Title Policy - schedule A item #3, it already reflect vesting and per page 2/7 of appraisal report it already said that HAD NO OTHER<br> SALES OR TRANSACTIONS IN THE PAST 36 MONTHS. - Seller-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 751 Required is 700 Borrower has 751<br>Long term residence - Borrower at primary for 4+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6404361 |
| XXXX | 865308 | XXXX C A | Closed | FCRE1148 | 2025-11-26 13:03 | 2025-12-08 14:47 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Updated Title. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing coverage. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received Updated Title. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 751 Required is 700 Borrower has 751<br>Long term residence - Borrower at primary for 4+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6404362 |
| XXXX | 865308 | XXXX C A | Closed | FCRE1440 | 2025-11-26 13:13 | 2025-12-05 12:30 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received property profile and mortgage statements, also 2nd mortgage/ HELOC is was opened in XXXX prior to credit report pull date but shows as inquiry Bank statement showing loan is on page 91. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-11/27/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOM / payment history for the primary residence mortgage. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/27/2025<br>| Resolved-Received property profile and mortgage statements, also 2nd mortgage/ HELOC is was opened in 09/2025 prior to credit report pull date but shows as inquiry Bank statement showing loan is on page 91. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 751 Required is 700 Borrower has 751<br>Long term residence - Borrower at primary for 4+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6404617 |
| XXXX | 865308 | XXXX C A | Closed | FCRE8701 | 2025-11-26 13:01 | 2025-12-02 13:27 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Formation Document and EIN is not required. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-11/27/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN number and business docs. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/27/2025<br>| Resolved-Received Business Entity Formation Document and EIN is not required. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 751 Required is 700 Borrower has 751<br>Long term residence - Borrower at primary for 4+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6404316 |
| XXXX | 867502 | XXXX C A | Closed | FCRE8701 | 2025-11-26 08:32 | 2025-12-02 14:18 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Single-Member LLC Operating Agreement - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Uploaded operating agreement - Seller-11/26/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. DOT vested in business and formation docs/operating agreement are missing. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Uploaded operating agreement - Seller-11/26/2025<br>| Resolved-Received Single-Member LLC Operating Agreement - Due Diligence Vendor-12/02/2025<br>| Months Reserves exceed minimum required - Minimum is 3 months, borrower has 100.68 months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.473 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6397841 |
| XXXX | 867504 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 867505 | XXXX C A | Closed | FCRE1455 | 2025-11-26 10:56 | 2025-12-03 15:03 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Account XXXX was new and the deposits were sourced from bank accounts that had two months of statements within the loan file. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Please note that account XXXX might not have the 2 months however the sources where the money came from, (XXXX and XXXX) they have required months. Refer to page 80 for LOE of loan package Refer to pages 87 - 90 forXXXX statement Refer to pages 93 - 98 for XXXX bank statement - Seller-11/28/2025 <br> Open-Asset 1 Less Than 2 Months Verified Guidelines require 2 months bank statements for closing costs and reserves. Provide an additional Bank Statement for XXXX. Additional conditions may apply. - Due Diligence Vendor-11/27/2025 | Ready for Review-Please note that account XXXX might not have the 2 months however the sources where the money came from, (XXXX and XXXX XXXX) they have required months. Refer to page 80 for LOE of loan package Refer to pages 87 - 90 for XXXX statement Refer to pages 93 - 98 for XXXX statement - Seller-11/28/2025 | Resolved-Account XXXX was new and the deposits were sourced from bank accounts that had two months of statements within the loan file. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 640. Borrower's qualifying FICO is 764. Required is 640 Borrower has 764<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.076<br>LTV is less than guideline maximum - Guideline maximum LTVis 80%. Subject LTV is 69.89%. Required is 80 Borrower has 69.89 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6400643 |
| XXXX | 867505 | XXXX C A | Closed | FCRE1206 | 2025-11-26 19:15 | 2025-12-03 14:59 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Fraud report provided with seller. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Uploaded revised data verify - Seller-11/28/2025 <br> Ready for Review-Please note that account XXXX might not have the 2 months however the sources where the money came from, (XXXX and XXXX) they have required months. <br>Refer to page 80 for LOE of loan package<br> Refer to pages 87 - 90 for XXXX statement<br> Refer to pages 93 - 98 for XXXX bank statement - Seller-11/28/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Property seller missing from loan participant list. - Due Diligence Vendor-11/27/2025 | Ready for Review-Document Uploaded. Uploaded revised data verify - Seller-11/28/2025 <br> Ready for Review-Please note that account XXXX might not have the 2 months however the sources where the money came from, (XXXX and XXXX) they have required months. <br>Refer to page 80 for LOE of loan package<br> Refer to pages 87 - 90 for XXXX statement<br> Refer to pages 93 - 98 for XXXX statement - Seller-11/28/2025 | Resolved-Fraud report provided with seller. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 640. Borrower's qualifying FICO is 764. Required is 640 Borrower has 764<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.076<br>LTV is less than guideline maximum - Guideline maximum LTVis 80%. Subject LTV is 69.89%. Required is 80 Borrower has 69.89 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6410538 |
| XXXX | 870582 | XXXX C A | Closed | FCRE8701 | 2025-12-01 09:48 | 2025-12-04 17:57 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Documentation - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Received Business Entity Documentation - Due Diligence Vendor-12/04/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.067 Required is 0.75 Borrower has 1.067<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 725 Required is 680 Borrower has 725 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6427494 |
| XXXX | 872175 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 872176 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 872177 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 872178 | XXXX C A | Closed | FCRE1254 | 2025-12-03 11:48 | 2025-12-19 13:14 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation no additional assessments or liens. - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025 <br>Counter-Title to confirm schedule B 10 i is clear and no assessments or assessments remaining open. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Title already mention there is no outstanding liens. There is no additional things we need to verify. If it is , it has to do with seller. not borrower. - Seller-12/11/2025 <br>Open-Property Title Issue Section B , section 1 states that a lien for assessments and maintenance is being subordinated. Provide update showing that any liens are being paid off by Seller and not being left open. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025 <br>Ready for Review-Title already mention there is no outstanding liens. There is no additional things we need to verify. If it is , it has to do with seller. not borrower. - Seller-12/11/2025<br>| Resolved-Received confirmation no additional assessments or liens. - Due Diligence Vendor-12/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.063<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 720<br>LTV is less than guideline maximum - Required is 80 Borrower has 50.86 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6466966 |
| XXXX | 872178 | XXXX C A | Closed | FCRE1440 | 2025-12-01 12:25 | 2025-12-17 14:06 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received documentation to support the borrower is not responsible. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Kindly see property profile the borrower is not obligated on the loan. The borrower is listed on the title only and is not responsible for credit rating or PITIA. Also property is free and clear - Seller-12/15/2025 <br> Counter-Received guideline. Agree borrower is not FTHB. Please provide 12 month payment history for borrowers primary residence. Guides require max 1x30x12 mortgage lates. If borrower is not responsible for payment, proof required to document payments. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Kindly see attached photo per guidelines only first time homebuyers is required to provide payment history. In this file the borrower is not a 1st time homebuyer so its not required - Seller-12/12/2025 <br> Counter-Provide acceptable confirmation borrower is not obligated on Mortgage for primary residence-title only. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Please note that the borrower is not a first-time homebuyer. Per XXXX Guidelines payment history is not required if the borrower is not a 1st time homebuyer. - Seller-12/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Please provide 12 month payment history for borrowers primary residence. Guides require max 1x30x12 mortgage lates. 1008 states borrower is not responsible for mortgage payment on primary. Document provided proves wnership, but proof is required that they are not responsible for pmts (copy of Note for Primary) - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Kindly see property profile the borrower is not obligated on the loan. The borrower is listed on the title only and is not responsible for credit rating or PITIA. Also property is free and clear - Seller-12/15/2025 <br> Ready for Review-Document Uploaded. Kindly see attached photo per guidelines only first time homebuyers is required to provide payment history. In this file the borrower is not a 1st time homebuyer so its not required - Seller-12/12/2025 <br> Ready for Review-Please note that the borrower is not a first-time homebuyer. Per XXXX Guidelines payment history is not required if the borrower is not a 1st time homebuyer. - Seller-12/11/2025 | Resolved-Received documentation to support the borrower is not responsible. - Due Diligence Vendor-12/17/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.063<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 720<br>LTV is less than guideline maximum - Required is 80 Borrower has 50.86 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6430596 |
| XXXX | 872179 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 872181 | XXXX D A | Closed | FCRE1182 | 2025-12-01 12:42 | 2025-12-08 14:02 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see uploaded 1008 - Seller-12/04/2025 <br>Open-Missing Approval/Underwriting Summary 1008 is missing from file - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Please see uploaded 1008 - Seller-12/04/2025<br>| Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-12/08/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .75, Borrower has 1.001 Required is 0.75 Borrower has 1.001<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 687 Required is 660 Borrower has 687<br>LTV is less than guideline maximum - Required is 75 Borrower has 58.99 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6430983 |
| XXXX | 872181 | XXXX D A | Closed | FCRE1201 | 2025-12-01 12:33 | 2025-12-08 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see uploaded data verify - Seller-12/04/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Please see uploaded data verify - Seller-12/04/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/08/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .75, Borrower has 1.001 Required is 0.75 Borrower has 1.001<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 687 Required is 660 Borrower has 687<br>LTV is less than guideline maximum - Required is 75 Borrower has 58.99 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6430791 |
| XXXX | 873036 | XXXX D A | Closed | FCRE1440 | 2025-12-01 15:23 | 2025-12-10 11:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received documentation to support the borrower is not responsible. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Document Uploaded<br> - Seller-12/08/2025 <br> Counter-Borrower states they own their home, but the mortgage is not in their name. Please provide documentation to support the borrower is not responsible. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Please note that the borrower is not a first-time homebuyer. Per XXXX Guidelines rent free letter and proof of 12 month History is not required. - Seller-12/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower states they own their home, but the mortgage is not in their name. Provide rent free letter from property owner who holds the mortgage and Proof of 12- month payment history, - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Document Uploaded<br> - Seller-12/08/2025 <br> Ready for Review-Please note that the borrower is not a first-time homebuyer. Per XXXX Guidelines rent free letter and proof of 12 month History is not required. - Seller-12/04/2025 | Resolved-Received documentation to support the borrower is not responsible. - Due Diligence Vendor-12/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.647 Required is 0.75 Borrower has 1.647<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 Required is 700 Borrower has 764<br>LTV is less than guideline maximum - Required is 80 Borrower has 30.26 Required is 80 Borrower has 30.26 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6434649 |
| XXXX | 873036 | XXXX D A | Closed | FCRE1510 | 2025-12-01 14:08 | 2025-12-08 14:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Uploaded DOT with Legal Description - Seller-12/04/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description is missing from DOT. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Uploaded DOT with Legal Description - Seller-12/04/2025<br>| Resolved-Received Mortgage w/legal. - Due Diligence Vendor-12/08/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.647 Required is 0.75 Borrower has 1.647<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 Required is 700 Borrower has 764<br>LTV is less than guideline maximum - Required is 80 Borrower has 30.26 Required is 80 Borrower has 30.26 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6433114 |
| XXXX | 873036 | XXXX D A | Closed | FCRE1202 | 2025-12-01 15:12 | 2025-12-08 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Uploaded Data Verify - Seller-12/05/2025 <br>Open-Third Party Fraud Report Partially Provided Seller was not included in Fraud Report search. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Uploaded Data Verify - Seller-12/05/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/08/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.647 Required is 0.75 Borrower has 1.647<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 Required is 700 Borrower has 764<br>LTV is less than guideline maximum - Required is 80 Borrower has 30.26 Required is 80 Borrower has 30.26 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6434403 |
| XXXX | 873037 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 873038 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 873043 | XXXX D A | Closed | FCRE1152 | 2025-12-01 15:40 | 2025-12-08 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax calculation - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Ready for Review-12/04: (Purchase Price)XXXX \* XXXX% /12 = XXXX + (Special Asses) XXXX/12= XXXX<br>XXXX+XXXX=XXXX - Seller-12/04/2025 <br> Open-Missing Evidence of Property Tax Evidence of property tax calculation is missing. Tax Record sheet is not complete and preliminary title amounts are based on tax bill on purchase. Used higher 1008 value for calculation. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Ready for Review-12/04: (Purchase Price) XXXX \* XXXX% /12 = XXXX + (Special Asses) XXXX/12= XXXX<br>XXXX+XXXX=XXXX - Seller-12/04/2025 | Resolved-Received tax calculation - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 782 FICO, minimum is 660<br>LTV is less than guideline maximum - 57.14 57.14% LTV, max is 75%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.049 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6435046 |
| XXXX | 873043 | XXXX D A | Closed | FCRE1252 | 2025-12-01 15:40 | 2025-12-08 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Final Title. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Open-Title Document is Incomplete Title does not include amount of Lender's coverage, no amended Escrow Instructions include lender's coverage amount. Amount entered was taken from Final ALTA Settlement statement. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received Final Title. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 782 FICO, minimum is 660<br>LTV is less than guideline maximum - 57.14 57.14% LTV, max is 75%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.049 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6435047 |
| XXXX | 874258 | XXXX C A | Closed | FCRE1206 | 2025-12-05 16:28 | 2025-12-15 13:29 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Pleased see uploaded updated data verify. - Seller-12/12/2025 <br> Counter-Received Fraud report. Borrower LLC XXXX, not included. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see uploaded Data Verify report. - Seller-12/05/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Borrower's LLC to be added to the loan participants list. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Pleased see uploaded updated data verify. - Seller-12/12/2025 <br>Ready for Review-Document Uploaded. Please see uploaded Data Verify report. - Seller-12/05/2025<br>| Resolved-Received Fraud report. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - Required is 80. Borrower has 70. Required is 80 Borrower has 70<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75. Borrower has 1.44. Required is 0.75 Borrower has 1.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 791. Required is 660 Borrower has 791 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6512042 |
| XXXX | 874259 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 874260 | XXXX C A | Closed | FCRE8701 | 2025-12-03 09:19 | 2025-12-10 11:45 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Documentation. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Please see uploaded LLC. - Seller-12/08/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Title is Vesting in the LLC name, The Business Entity Formation Document is Missing to validate Borrower Ownership Interest. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Please see uploaded LLC. - Seller-12/08/2025<br>| Resolved-Received Business Documentation. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 811 Required is 700 Borrower has 811<br>Months Reserves exceed minimum required - 34 Months Reserves exceed minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6462161 |
| XXXX | 874261 | XXXX C A | Closed | FCRE1206 | 2025-12-04 12:47 | 2025-12-08 15:03 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report with all Participants. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Uploaded Data Verify with additional parties including appraiser, seller, settlement agent. - Seller-12/05/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser, seller and settlement agent to be added to loan participant list. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Uploaded Data Verify with additional parties including appraiser, seller, settlement agent. - Seller-12/05/2025<br>| Resolved-Received Fraud Report with all Participants. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660. Borrower has 774. Required is 660 Borrower has 774<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR Required is 0.75. Borrower has 1.011. Required is 0.75 Borrower has 1.011<br>LTV is less than guideline maximum - Maximum LTV is 80%. Subject LTV is 75%. Required is 80 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6487711 |
| XXXX | 874262 | XXXX D A | Closed | FCRE1440 | 2025-12-02 09:39 | 2025-12-12 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation payment to XXXX due for XXXX. Received confirmation borrower is not obligated on primary mortgage-title only. - Due Diligence Vendor-12/12/2025 <br> Ready for Review- Please note that the borrower is not a first-time homebuyer. PerXXXX Guidelines payment history is not required if the borrower is not a 1st time homebuyer. Therefore, in this loan program, we do not require 1st time payment history because the borrower is not a 1st time homebuyer. Thank you - Seller-12/11/2025 <br> Counter-Received duplicate XXXX. Missing a full 12 month housing history for the primary residence and XXXX payment for account XXXX - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Uploaded 12 months mortgage payment and XXXX - Seller-12/09/2025 <br> Counter-Mortgage Statement for the primary residence, however we are missing a full 12 month housing history for the primary residence and October payment for account XXXX - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Uploaded Mortgage Statement - Seller-12/09/2025 <br> Counter-Mortgage history for the primary is required. REO's reporting on the credit report is required. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-12/4 Please note that the borrower is not a first-time homebuyer. Per XXXX Guidelines payment history is not required - Seller-12/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing proof of payments for primary mortgage account ending in XXXX for the months of - XXXX (9 months total). Missing proof of XXXX payment for REO on credit report, account ending in XXXX (1 month total). - Due Diligence Vendor-12/02/2025 | Ready for Review- Please note that the borrower is not a first-time homebuyer. Per XXXX Guidelines payment history is not required if the borrower is not a 1st time homebuyer. Therefore, in this loan program, we do not require 1st time payment history because the borrower is not a 1st time homebuyer. Thank you - Seller-12/11/2025 <br> Ready for Review-Document Uploaded. Uploaded 12 months mortgage payment and XXXX XXXX for XXXX Account - Seller-12/09/2025 <br> Ready for Review-Document Uploaded. Uploaded Mortgage Statement - Seller-12/09/2025 <br> Ready for Review-12/4 Please note that the borrower is not a first-time homebuyer. Per XXXX Guidelines payment history is not required - Seller-12/05/2025 | Resolved-Received confirmation payment to Rounpoint due for 11/2025. Received confirmation borrower is not obligated on primary mortgage-title only. - Due Diligence Vendor-12/12/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum required DSCR is 0.75. Borrower's DSCR is 1.172. Required is 0.75 Borrower has 1.172<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 680. Borrower's qualifying FICO is 807. Required is 680 Borrower has 807<br>LTV is less than guideline maximum - Maximum LTV is 75%. Subject LTV is 70%. Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6444380 |
| XXXX | 874262 | XXXX D A | Closed | FCOM1352 | 2025-12-04 13:16 | 2025-12-08 18:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Upon further review, complete Business Purpose was located in the loan file. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Please kindly refer to page 281 signed copy of business purpose loan and indicate the purpose of the cash out - Seller-12/05/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Disclosure is not signed by the borrower and does not indicate the purpose of the cash-out. - Due Diligence Vendor-12/04/2025 | Ready for Review-Please kindly refer to page 281 signed copy of business purpose loan and indicate the purpose of the cash out - Seller-12/05/2025<br>| Resolved-Upon further review, complete Business Purpose was located in the loan file. - Due Diligence Vendor-12/08/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum required DSCR is 0.75. Borrower's DSCR is 1.172. Required is 0.75 Borrower has 1.172<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 680. Borrower's qualifying FICO is 807. Required is 680 Borrower has 807<br>LTV is less than guideline maximum - Maximum LTV is 75%. Subject LTV is 70%. Required is 75 Borrower has 70 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6488492 |
| XXXX | 874263 | XXXX C A | Closed | FCRE1440 | 2025-12-02 12:19 | 2025-12-08 15:00 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, borrower is not a FTHB - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Please note that the borrower is not a first-time homebuyer. Per AIA Guidelines evidence of the borrower lives rent free is not required. - Seller-12/05/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Provide evidence the borrower lives rent-free in primary residence as required by the guidelines. - Due Diligence Vendor-12/04/2025 | Ready for Review-Please note that the borrower is not a first-time homebuyer. Per XXXX Guidelines evidence of the borrower lives rent free is not required. - Seller-12/05/2025 | Resolved-Upon further review, borrower is not a FTHB - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 640. Borrower has 784 FICO. Required is 640 Borrower has 784<br>LTV is less than guideline maximum - Mac=ximum LTV is 80%. Subject LTV is 70%. Required is 80 Borrower has 70<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum required DSCR is 0.75. Borrower's DSCR is 1.141. Required is 0.75 Borrower has 1.141 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6449609 |
| XXXX | 882326 | XXXX D A | Closed | FCRE1152 | 2025-12-05 11:14 | 2025-12-10 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Calculation - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. uploaded updated 1008, please refer to this calculation for the Property Tax. tax "XXXX tax; XXXX(purchase price) \* 1.25% /12" = XXXX - Seller-12/09/2025 <br> Open-Missing Evidence of Property Tax Missing evidence of property tax calculation, cannot use tax bill on purchase. Used higher 1008 value. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. uploaded updated 1008, please refer to this calculation for the Property Tax. tax "XXXX tax; XXXX (purchase price) \* 1.25% /12" = XXXX- Seller-12/09/2025 | Resolved-Received Tax Calculation - Due Diligence Vendor-12/10/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 757 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6503957 |
| XXXX | 882327 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 882328 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 882330 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 882331 | XXXX D A | Closed | FCRE1152 | 2025-12-08 09:16 | 2025-12-11 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received confirmation of property tax calculation. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. (Assessed Value) XXXX\* (Millage Rate) XXXX%= XXXX<br>XXXX/12= XXXX" - Seller-12/09/2025 <br> Open-Missing Evidence of Property Tax Missing evidence of property tax calculation. No tax cert provided or tax assessed value for purchase. Used 1008 tax value. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. (Assessed Value) XXXX\* (Millage Rate) XXXX%= XXXX<br>XXXX/12= XXXX" - Seller-12/09/2025 | Resolved-Received confirmation of property tax calculation. - Due Diligence Vendor-12/11/2025<br>| LTV is less than guideline maximum - Maximum LTV allowed is 80% - actual LTV IS 70%. Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 640 - actual FICO score is 786. Required is 640 Borrower has 786<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum DSCR score allowed is 0.75 - actual DSCR is 1.022. Required is 0.75 Borrower has 1.022 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6526059 |
| XXXX | 882332 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 882333 | XXXX C A | Closed | FCRE1148 | 2025-12-05 14:47 | 2025-12-29 12:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Short Form Title w/sufficient coverage. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing evidence of title insurance coverage. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Resolved-Received Short Form Title w/sufficient coverage. - Due Diligence Vendor-12/29/2025<br>| Months Reserves exceed minimum required - Min 3; currently has 7.99 - 3 =4.99 remaining<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.026 Required is 0.75 Borrower has 1.026<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6509525 |
| XXXX | 882333 | XXXX C A | Closed | FCRE1440 | 2025-12-05 15:15 | 2025-12-29 12:18 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, VOR is not required for no-ratio loan refinance. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Please note that this is a refinance of investment transaction and per guideline, VOR is required only when borrower is renting and are purchasing an investment property to verify housing payment and history. - Seller-12/23/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Provide VOR for current residence. - Due Diligence Vendor-12/05/2025 | Ready for Review-Please note that this is a refinance of investment transaction and per guideline, VOR is required only when borrower is renting and are purchasing an investment property to verify housing payment and history. - Seller-12/23/2025<br>| Resolved-Upon further review, VOR is not required for no-ratio loan refinance. - Due Diligence Vendor-12/29/2025<br>| Months Reserves exceed minimum required - Min 3; currently has 7.99 - 3 =4.99 remaining<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.026 Required is 0.75 Borrower has 1.026<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6510432 |
| XXXX | 882336 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 882338 | XXXX D A | Closed | FCRE1152 | 2025-12-05 14:53 | 2025-12-29 12:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax calculation used for qualification. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-We calculated it by using (CFD) purchase price\*rate + special assessment /12. - Seller-12/23/2025 <br>Open-Missing Evidence of Property Tax Missing evidence of property tax calculation. Cannot use Tax Bill on purchase, used higher 1008 value. - Due Diligence Vendor-12/05/2025 | Ready for Review-We calculated it by using (CFD) purchase price\*rate + special assessment /12. - Seller-12/23/2025<br>| Resolved-Received tax calculation used for qualification. - Due Diligence Vendor-12/29/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.101<br>LTV is less than guideline maximum - Required is 75 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 760 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6509635 |
| XXXX | 882340 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 882341 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 902896 | XXXX C A | Closed | FCRE8701 | 2025-12-22 15:09 | 2025-12-24 13:07 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Certification of Trust received. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. Uploaded trust cert - Seller-12/23/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing complete certification of trust, document is in file but blank. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Uploaded trust cert - Seller-12/23/2025<br>| Resolved-Certification of Trust received. - Due Diligence Vendor-12/24/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 56.34<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.071<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 809 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6744836 |
| XXXX | 905964 | XXXX C A | Closed | FCRE0045 | 2025-12-24 10:39 | 2026-01-27 15:32 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH Form. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Received ACH Form. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/27/2025 <br>Open-Foreign National but the ACH form is Missing from file. Please provide ACH form, borrowers are both foreign nationals. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/27/2025<br>| Resolved-Received ACH Form. - Due Diligence Vendor-01/27/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.313<br>LTV is less than guideline maximum - Required is 70 Borrower has 45.19 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6788606 |
| XXXX | 905964 | XXXX C A | Closed | FCRE0105 | 2025-12-24 10:39 | 2026-01-02 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-XXXX provided and the project was approved on XXXX. XXXX approval was issued after the effective date of the statute in XXXX and nothing further is required as XXXX does factor in state requirements for XXXX into their XXXX approval process. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. - Seller-12/27/2025 <br> Open-The file does not contain the required structural engineer report per state law. Condo is located in XXXX and structural engineer report is not in file - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/27/2025<br>| Resolved-CPM provided and the project was approved on XXXX. CPM approval was issued after the effective date of the statute in XXXX and nothing further is required as XXXX does factor in state requirements for XXXX into their CPM approval process. - Due Diligence Vendor-01/02/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.313<br>LTV is less than guideline maximum - Required is 70 Borrower has 45.19 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6788607 |
| XXXX | 905967 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.10

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 173976 | XXXX | XXXX A |
| XXXX | 174428 | XXXX | XXXX C A |
| XXXX | 175431 | XXXX | XXXX A |
| XXXX | 175435 | XXXX | XXXX A |
| XXXX | 175589 | XXXX | XXXX A |
| XXXX | 175826 | XXXX | XXXX A |
| XXXX | 176071 | XXXX | XXXX A |
| XXXX | 176293 | XXXX | XXXX A |
| XXXX | 177264 | XXXX | XXXX A |
| XXXX | 177265 | XXXX | XXXX A |
| XXXX | 177461 | XXXX | XXXX A |
| XXXX | 178569 | XXXX | XXXX A |
| XXXX | 178746 | XXXX | XXXX A C |
| XXXX | 178750 | XXXX | XXXX A |
| XXXX | 178940 | XXXX | XXXX A |
| XXXX | 178942 | XXXX | XXXX C A B |
| XXXX | 180314 | XXXX | XXXX C A |
| XXXX | 437186 | XXXX | XXXX A |
| XXXX | 448638 | XXXX | XXXX A |
| XXXX | 603483 | XXXX | XXXX C A |
| XXXX | 635160 | XXXX | XXXX A |
| XXXX | 640075 | XXXX | XXXX A |
| XXXX | 650718 | XXXX | XXXX A |
| XXXX | 673147 | XXXX | XXXX A |
| XXXX | 699482 | XXXX | XXXX A |
| XXXX | 739583 | XXXX | XXXX D A B |
| XXXX | 745115 | XXXX | XXXX C A B |
| XXXX | 753867 | XXXX | XXXX A |
| XXXX | 753868 | XXXX | XXXX A |
| XXXX | 753881 | XXXX | XXXX D A |
| XXXX | 753884 | XXXX | XXXX A |
| XXXX | 758161 | XXXX | XXXX A |
| XXXX | 774444 | XXXX | XXXX C A B |
| XXXX | 782760 | XXXX | XXXX C A |
| XXXX | 799515 | XXXX | XXXX D A |
| XXXX | 799525 | XXXX | XXXX A C |
| XXXX | 799531 | XXXX | XXXX C A |
| XXXX | 799558 | XXXX | XXXX C A |
| XXXX | 804332 | XXXX | XXXX A C |
| XXXX | 810648 | XXXX | XXXX C A |
| XXXX | 810654 | XXXX | XXXX D A |
| XXXX | 814193 | XXXX | XXXX A |
| XXXX | 815413 | XXXX | XXXX C A |
| XXXX | 815415 | XXXX | XXXX A |
| XXXX | 817007 | XXXX | XXXX C A |
| XXXX | 817008 | XXXX | XXXX C A |
| XXXX | 817009 | XXXX | XXXX A |
| XXXX | 817010 | XXXX | XXXX A |
| XXXX | 817011 | XXXX | XXXX C A |
| XXXX | 818333 | XXXX | XXXX A |
| XXXX | 818334 | XXXX | XXXX C A |
| XXXX | 818335 | XXXX | XXXX C A |
| XXXX | 818336 | XXXX | XXXX A |
| XXXX | 818337 | XXXX | XXXX D A |
| XXXX | 818338 | XXXX | XXXX A |
| XXXX | 818339 | XXXX | XXXX A |
| XXXX | 819624 | XXXX | XXXX A |
| XXXX | 819625 | XXXX | XXXX C A |
| XXXX | 819626 | XXXX | XXXX C A B |
| XXXX | 819627 | XXXX | XXXX C A B |
| XXXX | 819628 | XXXX | XXXX A |
| XXXX | 819629 | XXXX | XXXX C A |
| XXXX | 819630 | XXXX | XXXX A |
| XXXX | 821995 | XXXX | XXXX C A B |
| XXXX | 821996 | XXXX | XXXX A |
| XXXX | 821997 | XXXX | XXXX D A |
| XXXX | 821998 | XXXX | XXXX A |
| XXXX | 824322 | XXXX | XXXX A |
| XXXX | 824324 | XXXX | XXXX D A |
| XXXX | 824325 | XXXX | XXXX A |
| XXXX | 824326 | XXXX | XXXX D A |
| XXXX | 824327 | XXXX | XXXX C A |
| XXXX | 824328 | XXXX | XXXX C A |
| XXXX | 827501 | XXXX | XXXX A |
| XXXX | 830443 | XXXX | XXXX A |
| XXXX | 830444 | XXXX | XXXX A |
| XXXX | 830445 | XXXX | XXXX A |
| XXXX | 830446 | XXXX | XXXX C A |
| XXXX | 830447 | XXXX | XXXX C A |
| XXXX | 830448 | XXXX | XXXX C A |
| XXXX | 830449 | XXXX | XXXX A |
| XXXX | 830450 | XXXX | XXXX A |
| XXXX | 830451 | XXXX | XXXX A |
| XXXX | 830452 | XXXX | XXXX A |
| XXXX | 830453 | XXXX | XXXX C A |
| XXXX | 831895 | XXXX | XXXX C A |
| XXXX | 831896 | XXXX | XXXX A |
| XXXX | 831897 | XXXX | XXXX A |
| XXXX | 834094 | XXXX | XXXX D A B |
| XXXX | 834095 | XXXX | XXXX A |
| XXXX | 834096 | XXXX | XXXX A |
| XXXX | 834097 | XXXX | XXXX C A |
| XXXX | 834098 | XXXX | XXXX A |
| XXXX | 834099 | XXXX | XXXX A |
| XXXX | 834100 | XXXX | XXXX A |
| XXXX | 836345 | XXXX | XXXX D A |
| XXXX | 836346 | XXXX | XXXX C A |
| XXXX | 836347 | XXXX | XXXX A |
| XXXX | 836348 | XXXX | XXXX C A |
| XXXX | 836349 | XXXX | XXXX D A |
| XXXX | 838173 | XXXX | XXXX C A |
| XXXX | 838174 | XXXX | XXXX D A |
| XXXX | 838175 | XXXX | XXXX D A |
| XXXX | 838176 | XXXX | XXXX C A |
| XXXX | 838177 | XXXX | XXXX A |
| XXXX | 838178 | XXXX | XXXX A |
| XXXX | 838179 | XXXX | XXXX A |
| XXXX | 838180 | XXXX | XXXX A |
| XXXX | 838181 | XXXX | XXXX C A |
| XXXX | 838182 | XXXX | XXXX A |
| XXXX | 838183 | XXXX | XXXX A |
| XXXX | 838184 | XXXX | XXXX A |
| XXXX | 840153 | XXXX | XXXX C A |
| XXXX | 840154 | XXXX | XXXX D A |
| XXXX | 840155 | XXXX | XXXX C A |
| XXXX | 840156 | XXXX | XXXX C A |
| XXXX | 840157 | XXXX | XXXX D A |
| XXXX | 840158 | XXXX | XXXX C A |
| XXXX | 840159 | XXXX | XXXX A |
| XXXX | 840160 | XXXX | XXXX C A |
| XXXX | 840161 | XXXX | XXXX A |
| XXXX | 840223 | XXXX | XXXX D A |
| XXXX | 841566 | XXXX | XXXX C A |
| XXXX | 841567 | XXXX | XXXX A |
| XXXX | 843550 | XXXX | XXXX C A |
| XXXX | 843551 | XXXX | XXXX A |
| XXXX | 843557 | XXXX | XXXX A |
| XXXX | 846977 | XXXX | XXXX C A |
| XXXX | 847605 | XXXX | XXXX C A |
| XXXX | 849222 | XXXX | XXXX D A |
| XXXX | 849226 | XXXX | XXXX A |
| XXXX | 849227 | XXXX | XXXX D A |
| XXXX | 849228 | XXXX | XXXX A |
| XXXX | 850711 | XXXX | XXXX A |
| XXXX | 854712 | XXXX | XXXX A |
| XXXX | 857913 | XXXX | XXXX A |
| XXXX | 857914 | XXXX | XXXX A |
| XXXX | 857916 | XXXX | XXXX C A |
| XXXX | 857917 | XXXX | XXXX C A |
| XXXX | 864269 | XXXX | XXXX A |
| XXXX | 864273 | XXXX | XXXX A |
| XXXX | 865265 | XXXX | XXXX A |
| XXXX | 865266 | XXXX | XXXX A |
| XXXX | 865269 | XXXX | XXXX D A B |
| XXXX | 865271 | XXXX | XXXX C A |
| XXXX | 865272 | XXXX | XXXX D A |
| XXXX | 865274 | XXXX | XXXX A |
| XXXX | 865276 | XXXX | XXXX C A B |
| XXXX | 865278 | XXXX | XXXX C A |
| XXXX | 865279 | XXXX | XXXX C A |
| XXXX | 865281 | XXXX | XXXX C A |
| XXXX | 865282 | XXXX | XXXX C A B |
| XXXX | 865283 | XXXX | XXXX C A B |
| XXXX | 865284 | XXXX | XXXX A |
| XXXX | 865285 | XXXX | XXXX A |
| XXXX | 865286 | XXXX | XXXX A |
| XXXX | 865287 | XXXX | XXXX C A |
| XXXX | 865288 | XXXX | XXXX C A |
| XXXX | 865290 | XXXX | XXXX C A |
| XXXX | 865291 | XXXX | XXXX D A |
| XXXX | 865292 | XXXX | XXXX A |
| XXXX | 865293 | XXXX | XXXX A |
| XXXX | 865294 | XXXX | XXXX C A |
| XXXX | 865295 | XXXX | XXXX A |
| XXXX | 865296 | XXXX | XXXX A |
| XXXX | 865298 | XXXX | XXXX A |
| XXXX | 865299 | XXXX | XXXX C A B |
| XXXX | 865300 | XXXX | XXXX A |
| XXXX | 865301 | XXXX | XXXX A |
| XXXX | 865302 | XXXX | XXXX A |
| XXXX | 865303 | XXXX | XXXX A |
| XXXX | 865304 | XXXX | XXXX A |
| XXXX | 865305 | XXXX | XXXX C A |
| XXXX | 865306 | XXXX | XXXX A |
| XXXX | 865307 | XXXX | XXXX A |
| XXXX | 865308 | XXXX | XXXX C A |
| XXXX | 867502 | XXXX | XXXX C A |
| XXXX | 867504 | XXXX | XXXX A |
| XXXX | 867505 | XXXX | XXXX C A |
| XXXX | 870582 | XXXX | XXXX C A |
| XXXX | 872175 | XXXX | XXXX A |
| XXXX | 872176 | XXXX | XXXX A |
| XXXX | 872177 | XXXX | XXXX A |
| XXXX | 872178 | XXXX | XXXX C A |
| XXXX | 872179 | XXXX | XXXX A |
| XXXX | 872181 | XXXX | XXXX D A |
| XXXX | 873036 | XXXX | XXXX D A |
| XXXX | 873037 | XXXX | XXXX A |
| XXXX | 873038 | XXXX | XXXX A |
| XXXX | 873043 | XXXX | XXXX D A |
| XXXX | 874258 | XXXX | XXXX C A |
| XXXX | 874259 | XXXX | XXXX A |
| XXXX | 874260 | XXXX | XXXX C A |
| XXXX | 874261 | XXXX | XXXX C A |
| XXXX | 874262 | XXXX | XXXX D A |
| XXXX | 874263 | XXXX | XXXX C A |
| XXXX | 882326 | XXXX | XXXX D A |
| XXXX | 882327 | XXXX | XXXX A |
| XXXX | 882328 | XXXX | XXXX A |
| XXXX | 882330 | XXXX | XXXX A |
| XXXX | 882331 | XXXX | XXXX D A |
| XXXX | 882332 | XXXX | XXXX A |
| XXXX | 882333 | XXXX | XXXX C A |
| XXXX | 882336 | XXXX | XXXX A |
| XXXX | 882338 | XXXX | XXXX D A |
| XXXX | 882340 | XXXX | XXXX A |
| XXXX | 882341 | XXXX | XXXX A |
| XXXX | 902896 | XXXX | XXXX C A |
| XXXX | 905964 | XXXX | XXXX C A |
| XXXX | 905967 | XXXX | XXXX A |

---

## Exhibit 99.11

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction 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** |
| XXXX | 173976 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.33 | 58.33 | XXXX | XXXX | -1.0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 174428 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.43 | 79.43 | XXXX | XXXX | -.1000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1000 | XXXX | High | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | 175431 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.35 | 58.35 | XXXX | XXXX | -1.0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 175435 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 175589 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 175826 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.25 | 56.25 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 176071 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.23 | 64.23 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 176293 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 177264 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.83 | 79.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 177265 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 177461 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 178569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0356 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0356 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 178746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 178750 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 178940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 178942 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 180314 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 437186 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 448638 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 603483 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 56.63 | 56.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 635160 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 640075 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 650718 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 47.24 | 47.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 673147 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 699482 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 739583 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 745115 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.86 | 64.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 753867 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 753868 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 753881 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 753884 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 53.42 | 53.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 758161 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 774444 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.48 | 34.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 782760 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 799515 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 45.98 | 45.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 799525 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.21 | 79.21 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 799531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.0 | 40.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 799558 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.99 | 33.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 804332 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 54.95 | 54.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 810648 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 810654 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 44.44 | 44.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 814193 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 815413 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.22 | 65.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 815415 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 817007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1.7 | XXXX |
| XXXX | 817008 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | 817009 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 59.78 | 59.78 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 817010 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 817011 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | XXXX |
| XXXX | 818333 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.2 | XXXX |
| XXXX | 818334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 72.0 | 72.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 818335 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.05 | 74.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 818336 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 818337 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | 818338 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.97 | 66.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 818339 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 819624 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.6 | XXXX |
| XXXX | 819625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0699 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0699 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 819626 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 819627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 819628 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 59.17 | 59.17 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 819629 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.52 | 67.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | 819630 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.03 | 42.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 821995 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 821996 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 821997 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 821998 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | 824322 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.42 | 64.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 824324 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 824325 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 824326 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 824327 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 824328 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 55.56 | 55.56 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 827501 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | 830443 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 830444 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.09 | 34.09 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 830445 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.76 | 66.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.3 | XXXX |
| XXXX | 830446 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 47.12 | 47.12 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 830447 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 830448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.99 | 71.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | 830449 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.39 | 69.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 830450 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.89 | 53.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 830451 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 830452 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 830453 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.7 | 18.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 831895 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | 831896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 44.28 | 44.28 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 831897 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 834094 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 834095 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 834096 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 834097 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 834098 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.71 | 65.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 834099 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 834100 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2 | XXXX |
| XXXX | 836345 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 836346 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 836347 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 836348 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 51.47 | 51.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 836349 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 838173 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 838174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 3.7 | XXXX |
| XXXX | 838175 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 838176 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.37 | 57.37 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 838177 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.54 | 69.54 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 838178 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.09 | 63.09 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.6 | XXXX |
| XXXX | 838179 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | 838180 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 68.41 | 68.41 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 838181 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 838182 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 838183 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 838184 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 3.4 | XXXX |
| XXXX | 840153 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 64.85 | 64.85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 840154 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 840155 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 840156 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 840157 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 840158 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | 840159 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 840160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 840161 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 45.45 | 45.45 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 840223 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 841566 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.56 | 53.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 841567 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.57 | 53.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 843550 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.61 | 66.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 843551 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.56 | 52.56 | XXXX | XXXX | -.0256 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0256 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | 843557 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 846977 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 847605 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.06 | 37.06 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 849222 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 849226 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.66 | 66.66 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 849227 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.0 | 40.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | 849228 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 850711 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 854712 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 857913 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX | 857914 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0131 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0131 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 857916 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 857917 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 864269 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0938 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0938 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 864273 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.84 | 24.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865265 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865266 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.79 | 67.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865269 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.1111 | Desk Review |  |  |  |  | 225000.00 | 0.0 | .0000 | 10-17-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | 200000 | -25000.0 | -.1111 | Clear Capital | High | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 865271 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 865272 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 865274 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.18 | 68.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865276 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0116 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0116 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 865278 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865279 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 43.26 | 43.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 865281 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.62 | 64.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865282 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 2.2 | XXXX |
| XXXX | 865283 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865284 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.2 | XXXX |
| XXXX | 865285 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 865286 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865287 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 865288 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.6 | XXXX |
| XXXX | 865291 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 64.84 | 64.84 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | 865292 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.97 | 64.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | 865293 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865294 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0157 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0157 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 865295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.57 | 53.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 2.2 | XXXX |
| XXXX | 865296 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 865298 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 865299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.06 | 69.06 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 865300 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 865302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 865303 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 865304 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.65 | 68.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865305 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865306 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865307 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.13 | 66.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 865308 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 867502 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 867504 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 3.8 | XXXX |
| XXXX | 867505 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 69.89 | 69.89 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 870582 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 872175 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 872176 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 872177 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.75 | 74.75 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | 872178 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.86 | 50.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 872179 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.09 | 67.09 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 2.3 | XXXX |
| XXXX | 872181 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.99 | 58.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 873036 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.26 | 30.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 873037 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.89 | 68.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | 873038 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 52.84 | 52.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 873043 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.14 | 57.14 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 874258 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 874259 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.0 | 67.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 874260 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 874261 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 874262 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2 | XXXX |
| XXXX | 874263 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 882326 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | 882327 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.35 | 38.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 882328 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 882330 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 882331 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 882332 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.93 | 38.93 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | 882333 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.31 | 66.31 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | 882336 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 50.51 | 50.51 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 882338 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 882340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.46 | 72.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 882341 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.56 | 59.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 902896 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.34 | 56.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 905964 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 45.19 | 45.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 905967 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 56.52 | 56.52 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.12

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction 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?** |
| XXXX | 173976 | 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 | 174428 | 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 | 175431 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 175435 | 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 | 175589 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 175826 | 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 | 176071 | 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 | 176293 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 177264 | 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 | 177265 | 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 | 177461 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 | Yes | Present |
| XXXX | 178569 | 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 | 178746 | 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 | 178750 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 178940 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 178942 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 | Yes | Present |
| XXXX | 180314 | 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 | 437186 | 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 | 9764.73 | N/A | Not Employed | Employed | Yes | Yes | Yes | Present |
| XXXX | 448638 | 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 |  | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| XXXX | 603483 | 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 | 635160 | 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 | 640075 | 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 | 650718 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 673147 | 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 | 699482 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 739583 | 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 | 745115 | 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 | 753867 | 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 | 753868 | 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 | 753881 | 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 | 753884 | XXXX | 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 | No | Yes | Present |
| XXXX | 758161 | 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 | 774444 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8245 | 6.751 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3905.71 | Yes | Employed |  | No |  | No |  |
| XXXX | 782760 | 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 | 799515 | 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 | 799525 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9355 | 7.533 | Yes | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 6416.75 | N/A | Employed |  | No |  | No |  |
| XXXX | 799531 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 799558 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 804332 | XXXX | 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 |
| XXXX | 810648 | 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 | 810654 | 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 | 814193 | 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 | 815413 | XXXX | 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 | No | Yes | Present |
| XXXX | 815415 | 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 | 817007 | 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 | 817008 | 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 | 817009 | 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 | 817010 | 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 | 817011 | 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 | 818333 | 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 | 818334 | 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 | 818335 | 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 | 818336 | 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 | 818337 | 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 | 818338 | 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 | 818339 | 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 | 819624 | XXXX | 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 | No | Yes | Present |
| XXXX | 819625 | 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 | 819626 | 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 | 819627 | XXXX | 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 |
| XXXX | 819628 | XXXX | 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 |
| XXXX | 819629 | 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 | 819630 | 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 | 821995 | 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 | 821996 | 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 | 821997 | 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 | 821998 | 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 | 824322 | 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 | 824324 | 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 | Yes | Present |
| XXXX | 824325 | 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 | 824326 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 824327 | 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 | 824328 | 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 | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 827501 | 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 | 830443 | 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 | 830444 | 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 | 830445 | 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 | 830446 | 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 | 830447 | 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 | 830448 | 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 | 830449 | 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 | 830450 | 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 | 830451 | 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 | 830452 | 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 | 830453 | 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 | 831895 | 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 | 831896 | XXXX | 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 |
| XXXX | 831897 | 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 | 834094 | 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 | 834095 | 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 | 834096 | 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 | 834097 | 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 | 834098 | 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 | 834099 | 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 | 834100 | 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 | 836345 | 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 | 836346 | 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 | 836347 | 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 | 836348 | 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 | 836349 | 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 | 838173 | 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 | 838174 | 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 | 838175 | 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 | 838176 | 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 | 838177 | 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 | 838178 | XXXX | 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 |
| XXXX | 838179 | XXXX | 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 |
| XXXX | 838180 | 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 | 838181 | 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 | 838182 | 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 | 838183 | 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 | 838184 | 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 | 840153 | 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 | 840154 | 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 | 840155 | 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 | 840156 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 840157 | 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 | Yes | Present |
| XXXX | 840158 | 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 | 840159 | 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 | 840160 | 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 | 840161 | 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 | 840223 | 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 | 841566 | XXXX | 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 |
| XXXX | 841567 | 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 | 843550 | 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 | 843551 | XXXX | 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 |
| XXXX | 843557 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 846977 | 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 | 847605 | 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 | 849222 | 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 | 849226 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 849227 | 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 | Yes | Present |
| XXXX | 849228 | 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 | Yes | Present |
| XXXX | 850711 | 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 | Yes | Present |
| XXXX | 854712 | 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 | 857913 | 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 | 857914 | 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 | 857916 | 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 | 857917 | 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 | 864269 | XXXX | 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 |
| XXXX | 864273 | XXXX | 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 |
| XXXX | 865265 | 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 | 865266 | 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 | 865269 | 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 | 865271 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 865272 | 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 | 865274 | 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 | 865276 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 865278 | 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 | 865279 | XXXX | 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 |
| XXXX | 865281 | 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 | 865282 | 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 | 865283 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 865284 | 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 | 865285 | 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 | 865286 | XXXX | 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 |
| XXXX | 865287 | 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 | 865288 | 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 | 865290 | 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 | 865291 | 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 | 865292 | 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 | 865293 | 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 | 865294 | XXXX | 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 |
| XXXX | 865295 | 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 | 865296 | 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 | 865298 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 865299 | 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 | 865300 | XXXX | 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 |
| XXXX | 865301 | 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 | 865302 | 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 | 865303 | 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 | 865304 | 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 | 865305 | 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 | 865306 | 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 | 865307 | 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 | 865308 | 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 | 867502 | 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 | 867504 | 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 | 867505 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 870582 | 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 | 872175 | 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 | 872176 | 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 | 872177 | 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 | 872178 | XXXX | 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 |
| XXXX | 872179 | 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 | 872181 | 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 | 873036 | XXXX | 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 |
| XXXX | 873037 | 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 | 873038 | 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 | 873043 | 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 | 874258 | 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 | 874259 | 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 | 874260 | 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 | 874261 | 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 | 874262 | 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 | 874263 | 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 | 882326 | 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 | 882327 | 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 | 882328 | 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 | 882330 | 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 | 882331 | 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 | 882332 | 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 | 882333 | 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 | 882336 | 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 | 882338 | 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 | 882340 | 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 | 882341 | 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 | 902896 | XXXX | 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 |
| XXXX | 905964 | 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 | Yes | Present |
| XXXX | 905967 | 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 99.13

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 173976 | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 174428 | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 175435 | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 175826 | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 178746 | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 437186 | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 1YR Business P&L | Written Verification of Employment | Verified income source P&L |
| XXXX | 448638 | XXXX | XXXX | Borrower 2 SSN | the1003Page | XXXX | XXXX | Foreign National. |
| XXXX | 448638 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | From appraisal report |
| XXXX | 603483 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium | CLR | Per appraisal |
| XXXX | 640075 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 650718 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 47.24 | 38.71 | Per loan amount/appraisal value |
| XXXX | 650718 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 47.24 | 38.71 | Per loan amount/appraisal value |
| XXXX | 753867 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX | 753867 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 753868 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | 753868 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 753881 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 753884 | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 753884 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 758161 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 774444 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 782760 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal report |
| XXXX | 782760 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per Client |
| XXXX | 799515 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 799525 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 799531 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | false | Y | per 1003 |
| XXXX | 799531 | XXXX | XXXX | Borrower 2 FTHB | the1003Page | false | Y | per 1003 |
| XXXX | 799531 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client. |
| XXXX | 799558 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per Client |
| XXXX | 804332 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client. |
| XXXX | 810648 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per Client |
| XXXX | 815413 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| XXXX | 815413 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 815415 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 817007 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 817009 | XXXX | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | Per Exhibit A provided with DOT |
| XXXX | 817009 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 817010 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 818333 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per client |
| XXXX | 818334 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per client |
| XXXX | 818335 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per client |
| XXXX | 818336 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 818337 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | 818337 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 818338 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraisal |
| XXXX | 818338 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.009 | 1.0466 | Lender did not include HOA fee |
| XXXX | 819624 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per client |
| XXXX | 819626 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 819627 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 819628 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 819629 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX | 819629 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 821995 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 821996 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per client |
| XXXX | 824322 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 824324 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal; Tape data is prior sales price |
| XXXX | 824324 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 824325 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client. |
| XXXX | 827501 | XXXX | XXXX | Borrower 1 First Name | notePage | Hoang | Hoang Oanh Thi | Per Note |
| XXXX | 827501 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| XXXX | 827501 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 830443 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 830444 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 830445 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 830446 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.364 | 1.3107 | Audit used Actual Rent/ PITIA. Lender Calculation not provided |
| XXXX | 830446 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 830447 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX | 830447 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 830448 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per client |
| XXXX | 830449 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 830451 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per client |
| XXXX | 830452 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.048 | 1.0193 |  |
| XXXX | 831896 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per client |
| XXXX | 831897 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per client |
| XXXX | 834094 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 834095 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application per client |
| XXXX | 834096 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor Using Initial loan application per Client |
| XXXX | 834097 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 834098 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | true | N | Per 1003 |
| XXXX | 834098 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 834099 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 834100 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 22.51 | DSCR program |
| XXXX | 834100 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor Using Initial loan application per Client. |
| XXXX | 836345 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 836346 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.86 | 1.0749 | Audit used 1007 for rental calculation |
| XXXX | 836346 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client. |
| XXXX | 836347 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | false | Y | Per 1003 |
| XXXX | 836347 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 836348 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 836349 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial Loan App per client |
| XXXX | 838173 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX | 838174 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial Loan App per client |
| XXXX | 838175 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used initial app date per Client |
| XXXX | 838176 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.271 | 1.3585 | Audit used 12 Month rent history , Lender used higher amount on 1007 |
| XXXX | 838176 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial app date per client. |
| XXXX | 838177 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial Loan App per client |
| XXXX | 838178 | XXXX | XXXX | Borrower 1 Last Name | notePage | Tzu-Kung Jan | Jan | Per Note |
| XXXX | 838178 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 838179 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor Using Initial loan application per Client. |
| XXXX | 838180 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor Using Initial Loan application per Client. |
| XXXX | 838181 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial app per client |
| XXXX | 838182 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 838184 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 840153 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 840154 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 840155 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.408 | 1.5357 | Market rent/ PITI, Auditor included all property taxes, lender did not. |
| XXXX | 840155 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial app per client |
| XXXX | 840156 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor Using initial loan application per Client. |
| XXXX | 840157 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.932 | 1.0033 |  |
| XXXX | 840157 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor Using Initial loan application per Client. |
| XXXX | 840158 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 840159 | XXXX | XXXX | REO Mortgage Times 30 | creditLiabilitiesPage | 0 | N | Per mortgage statement |
| XXXX | 840159 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per Client |
| XXXX | 840160 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Audit Appraised value, LTV calculated from prior purchase price . |
| XXXX | 840160 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 840161 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial app per client |
| XXXX | 840223 | XXXX | XXXX | Mortgage Origination Channel | the1003Page | Correspondent Flow with Delegated UW | DC | Per Note |
| XXXX | 840223 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.002 | 1.0072 | Audit used 1007 and insurance was slightly higher |
| XXXX | 840223 | XXXX | XXXX | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Note |
| XXXX | 840223 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used initial app date per Lender |
| XXXX | 841566 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | CLR | Per Appraisal |
| XXXX | 841566 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial Application Date per Client |
| XXXX | 841567 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 843550 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 843551 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 843557 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor Using Initial loan application per client. |
| XXXX | 846977 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX | 846977 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application Date used per Client |
| XXXX | 847605 | XXXX | XXXX | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Note |
| XXXX | 847605 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 849222 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | false | Y | per Final 1003 |
| XXXX | 849222 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 849226 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 849227 | XXXX | XXXX | Borrower 2 FTHB | the1003Page | true | N | Per 1003 |
| XXXX | 849227 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 849228 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Applicated date used per Client |
| XXXX | 854712 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 857913 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 857914 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 857916 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 857917 | XXXX | XXXX | Origination BK Flag | creditLiabilitiesPage | No | Y | Per Credit report |
| XXXX | 857917 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 864269 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per lender |
| XXXX | 864273 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 865265 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865266 | XXXX | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | Per DOT |
| XXXX | 865266 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865269 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor using initial loan application per client. |
| XXXX | 865271 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865272 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865274 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865276 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor using initial loan application per client. |
| XXXX | 865278 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.297 | 1.1674 |  |
| XXXX | 865278 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865279 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 865281 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 865282 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865283 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor Using Initial loan application per client. |
| XXXX | 865284 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 865285 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 865286 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| XXXX | 865286 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865287 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 865290 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 865291 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 771 | 778 | Audit used "lowest representative score" for all borrowers. |
| XXXX | 865291 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 865292 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial app per client |
| XXXX | 865293 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865295 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 865295 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application date per client |
| XXXX | 865296 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.093 | 1.0548 | Lender used lease amount |
| XXXX | 865296 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application date per client |
| XXXX | 865298 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865299 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | 365000 | 362000.00 | per appraisal |
| XXXX | 865300 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 865301 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | 280000 | 270000.00 | Per Appraisal |
| XXXX | 865301 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.757 | 1.7889 | actual property taxes higher than amount used by lender |
| XXXX | 865301 | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865301 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used G/L prior to initial app date per client |
| XXXX | 865302 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| XXXX | 865302 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865303 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial Loan Application date per Client |
| XXXX | 865305 | XXXX | XXXX | MIN No | deedOfTrustPage | XXXX | XXXX | Per DOT |
| XXXX | 865305 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 865306 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 865307 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 867502 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 867504 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 867505 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 870582 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 725 | 699 | Average middle scores of all borrowers |
| XXXX | 870582 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using initial loan application date per client |
| XXXX | 872175 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor Using initial loan application per client. |
| XXXX | 872176 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per Client |
| XXXX | 872177 | XXXX | XXXX | Borrower 1 Birthdate | the1003Page | XXXX | XXXX | Per loan application |
| XXXX | 872177 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor using intial loan application per client. |
| XXXX | 872178 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used initial app per client |
| XXXX | 872179 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 873036 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial Loan Application date per the Client |
| XXXX | 873037 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 873043 | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 874258 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | 280000 | 235000.00 | Per Appraisal |
| XXXX | 874258 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.44 | 1.5099 | Audit included higher HOA dues |
| XXXX | 874258 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 874259 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 874260 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 874261 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Auditor using initial loan application per client. |
| XXXX | 874262 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 874263 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 882326 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 882327 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.769 | 1.7106 | Used lower end of 1007 causing discrepancy |
| XXXX | 882327 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 882328 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 882330 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 882331 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 882332 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 882333 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Credit Report |
| XXXX | 882333 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 882336 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 882338 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | per note |
| XXXX | 882338 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used initial app per client |
| XXXX | 882340 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |
| XXXX | 882341 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial app per client |
| XXXX | 902896 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX | 902896 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Using Initial loan application per Client |
| XXXX | 905964 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Used Initial App per client |
| XXXX | 905967 | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Initial Loan Application date used per Client |

---

## Exhibit 99.14

**Exhibit 99.14**

![](canopy_logo.jpg)

**NARRATIVE**

**HOMES 2026-AFC1**

**By Canopy Financial Technology Partners LLC on February 09, 2026**

Canopy Financial Technology Partners LLC

chweeler@canopytpr.com \| 801-792-2995 \| www.canopytpr.com

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

![](canopy_logo.jpg)

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

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by O4B Park Capital Securitization, LLC (the "Client") or its affiliated company. The Review was conducted from May 2022 to December 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of three hundred fifty-two (352) Loans with an aggregate original principal balance of $201,078,980.

**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 Organization (NRSRO), S&P Global Ratings and Fitch Ratings, Inc.

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** |  |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &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 |

---

![](canopy_logo.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Note Rate | &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 Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &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;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio (when applicable) | &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;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Verified Doc Type | &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 (when applicable);

● DSCR (when applicable);

● Gross Income (when applicable);

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

![](canopy_logo.jpg)

**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; and/or

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

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

● Social Security inconsistencies

● Borrower name variations

![](canopy_logo.jpg)

● 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;

● 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

![](canopy_logo.jpg)

**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); and

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

**Business Purpose Validation (when applicable)**

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

**"Missing Document" to "B" Grade:** In the event 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 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 the loan did not

![](canopy_logo.jpg)

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;

(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; and

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

![](canopy_logo.jpg)

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review of the following documents as they related to regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note, including all addendums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Copy of note for any junior liens (if applicable);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage / Deed of Trust, including all riders;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial, Interim, and Final Loan Estimates ("LE");

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice of Right to Cancel (as applicable);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable); 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;x. Initial Escrow Account Disclosure.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and
CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations,
proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR
and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required
timeframes. Testing will be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID
Grid 4.0");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including
a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required
parties,

![](canopy_logo.jpg)

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; and

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory Arbitration – Canopy will report mandatory arbitration provisions
present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single Premium Credit Insurance – Canopy will report single premium credit insurance policies or
debt cancellation agreements present in the Loan File.

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

**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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● 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).

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

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

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

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

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

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

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

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

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

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

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

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

● South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

● Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

● Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

● The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

● Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

● Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

● Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

● Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202.

● Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

**QUALIFIED MORTGAGE (QM)** 

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

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

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

Ability to Repay (ATR)

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

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

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

**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

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Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

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

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

**Independent third-party values**

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

· For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**<br>

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

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

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

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| | |
|:---|:---|
| &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** | There was not sufficient documentation to perform a review, or the credit file was not furnished. |

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| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent, or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;**D** | 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" |

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| | |
|:---|:---|
|  | &nbsp;&nbsp; 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. |

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**FINDINGS SUMMARY**

**Summary Overview**<br>

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 96.31% (339 loans) have an overall grade of "A" and 3.69% (13 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 97.16% (342 loans) reviewed and 2.84% (10 loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 99.15% (349 loans) reviewed and 0.85% (3 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00% (352 loans) reviewed and 0.00% (0 loans) have a Property/Valuation grade of "B".

**FINDINGS TABLE**

&nbsp;&nbsp;**REVIEW TABLES**<br>

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| | | |
|:---|:---|:---|
| **OVERALL REVIEW RESULTS** | **OVERALL REVIEW RESULTS** | **OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;339 | &nbsp;&nbsp;96.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;3.69% |
| &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;**352** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| **CREDIT REVIEW RESULTS** | **CREDIT REVIEW RESULTS** | **CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;342 | &nbsp;&nbsp;97.16% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.84% |
| &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;**352** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| **COMPLIANCE REVIEW RESULTS** | **COMPLIANCE REVIEW RESULTS** | **COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;349 | &nbsp;&nbsp;99.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.85% |
| &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;**352** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| **PROPERTY REVIEW RESULTS** | **PROPERTY REVIEW RESULTS** | **PROPERTY REVIEW RESULTS** |
| **Final Grade** | **Loan Count** | **% of Sample** |
| A | 352 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Grand Total** | **352** | **100.00%** |

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**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| Fixed | 346 | 98.30% | $194597488.00 |
| ARM | 6 | 1.70% | $6481492.00 |
| **Total** | **352** | **100.00%** | **$201078980.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| First | 352 | 100.00% | $201078980.00 |
| Second | 0 | 0.00% | $0.00 |
| **Total** | **352** | **100.00%** | **$201078980.00** |

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| | | | |
|:---|:---|:---|:---|
| &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;73 | &nbsp;&nbsp;20.74% | &nbsp;&nbsp;$44403180.00 |
| &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;114 | &nbsp;&nbsp;32.39% | &nbsp;&nbsp;$49508730.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;116 | &nbsp;&nbsp;32.95% | &nbsp;&nbsp;$75095180.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;49 | &nbsp;&nbsp;13.92% | &nbsp;&nbsp;$32071890.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**352** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$201078980.00** |
| &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;1 | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;$390000.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$946000.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;348 | &nbsp;&nbsp;98.86% | &nbsp;&nbsp;$199742980.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**352** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$201078980.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;288 | &nbsp;&nbsp;81.82% | &nbsp;&nbsp;$161771519.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;$11373250.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;53 | &nbsp;&nbsp;15.06% | &nbsp;&nbsp;$27934211.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**352** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$201078980.00** |

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**DATA COMPARISON RESULTS**

Of the three hundred fifty-two (352) loan files reviewed, thirty-eight (38) unique loans (10.80% by number) had forty-three (43) tape comparison discrepancies across sixteen (16) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Assumable Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;352 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;B1 Verified Citizenship Designation | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;352 | &nbsp;&nbsp;1.70% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;352 | &nbsp;&nbsp;1.42% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;352 | &nbsp;&nbsp;0.28% |
| &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;8 | &nbsp;&nbsp;352 | &nbsp;&nbsp;2.27% |

---

![](canopy_logo.jpg)

**Disclaimer**

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

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.* 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.* 

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

## Exhibit 99.15

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 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 | 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 |
| **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** | **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 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** |
| 221181 |  |  | xxx | xxx | xxx | No |  |  |  | xxx | xxx | ATR/QM: Not Applicable | No | No | No |  | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | 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 |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Not Stated Not Verified | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - N/A | Borrower | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Foreign National |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | xxx | xxx | xxx |  | 50 | N/A | xxx |  |  | xxx | 1 |
| 571512 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | xxx | xxx | xxx | xxx | Annually | 45.95% | 45.95% | 45.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A |  |  | 100.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower | N/A | N/A |  | Yes | 84 | No |  | NA | 0 | 0 | N/A | NA |  | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Personal Bank Statements Verified | Borrower | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | xxx | xxx | xxx |  | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 157319 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.48% | 30.58% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 257 | 32 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Non-Permanent Non-US Citizen |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 59.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 420446 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.70% | 34.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 22 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 45.45 | N/A | xxx | xxx | xxx | xxx | 1 |
| 142238 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 10.63% | 10.63% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 99.00% |  |  | Third-Party Prepared (Unaudited) | 15 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Other | USA Patriot | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 284147 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.17% | 29.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 16 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 851657 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 15.06% | 15.06% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 93.71% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 350689 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 9.81% | 9.81% | 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% |  |  | 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 - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | Yes - ITIN Card | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 884837 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 12.51% | 12.51% | 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 | 13 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 518922 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.38% | 26.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 17 | CPA |  |  |  | Yes | 29 | 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, YTD Profit And Loss Verified | Borrower | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 32.47 | N/A | xxx | xxx | xxx | xxx | 1 |
| 671506 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.91% | 42.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 51 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 420383 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.12% | 49.12% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 372 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 3 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 670111 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.72% | 44.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | 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 |  | Yes | 39 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 170602 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.44% | 31.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 205335 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.20% | 37.20% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | Yes | 37 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - CPA Letter Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 253246 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 8.28% | 8.28% | 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 |  |  |  | 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, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 298151 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.39% | 30.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 18 | Tax Preparer |  |  |  | Yes | 92 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | 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 |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 974192 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.81% | 41.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 220515 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.98% | 35.98% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 39 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 650451 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.58% | 43.58% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 50 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Employment Authorization Card | USA Patriot Act | xxx | xxx | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 934100 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.73% | 39.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 18 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 914798 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.01% | 21.01% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 59.29 | N/A | xxx | xxx | xxx | xxx | 1 |
| 523223 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.84% | 34.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 19 | Tax Preparer |  |  |  | Yes | 43 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | 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 | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 58.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 824771 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.31% | 41.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 49.92 | Yes | xxx | xxx | xxx | xxx | 1 |
| 861861 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.80% | 33.80% | 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 |  |  |  | Yes | 44 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 33.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 171169 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.23% | 24.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 19 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.25 | N/A | xxx | xxx | xxx | xxx | 1 |
| 219907 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.03% | 45.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 512992 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.28% | 24.28% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 19 | CPA |  |  |  | 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, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 976188 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.65% | 42.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  |  | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 100 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - null Personal Tax Returns Verified, Written VOE Verified | Borrower - null Personal Tax Returns 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 49.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 654606 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.29% | 41.29% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 38.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 899957 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.68% | 32.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 18 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 35.05 | N/A | xxx | xxx | xxx | xxx | 1 |
| 994192 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.71% | 38.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 638820 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.78% | 43.13% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 800719 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.35% | 37.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 42 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 408431 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.86% | 27.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 411967 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.37% | 42.37% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 213085 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.35% | 19.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 709173 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.41% | 48.41% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 11.36 | N/A | xxx | xxx | xxx | xxx | 1 |
| 284354 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.68% | 26.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50 | N/A | xxx | xxx | xxx | xxx | 1 |
| 248023 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.37% | 29.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 30 | N/A | xxx | xxx | xxx | xxx | 1 |
| 461012 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.57% | 26.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.22 | N/A | xxx | xxx | xxx | xxx | 1 |
| 880054 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.71% | 25.71% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 67 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Foreign National | Foreign National | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | Yes | xxx | xxx | xxx | xxx | 1 |
| 557246 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.71% | 25.71% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 67 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | Yes | xxx | xxx | xxx | xxx | 1 |
| 501608 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.71% | 25.71% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 67 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | xxx | xxx | xxx | No | 70 | Yes | xxx | xxx | xxx | xxx | 1 |
| 892335 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.03% | 28.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 176 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 42.49 | N/A | xxx | xxx | xxx | xxx | 1 |
| 190104 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 12.95% | 12.95% | 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 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 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 |  |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40 | N/A | xxx | xxx | xxx | xxx | 1 |
| 422015 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.07% | 18.07% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | 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, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 42.36 | N/A | xxx | xxx | xxx | xxx | 1 |
| 652401 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 20.20% | 20.20% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | 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, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 676093 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.97% | 39.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 53.1 | N/A | xxx | xxx | xxx | xxx | 1 |
| 266167 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.60% | 31.60% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 19 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Retirement, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, Award Letter Verified - ["2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.96 | N/A | xxx | xxx | xxx | xxx | 3 |
| 361615 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.07% | 42.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 20 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 66.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 195774 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.71% | 28.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 199303 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.14% | 30.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien |  |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 196394 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.62% | 43.62% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 50 | 33 | FNMA 1005 | Yes | 57 | 33 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified, Lease Agreements Verified - ["2024","2025","2023"] \|\| Co Borrower - Wage, Overtime and Bonus - Written VOE Verified, Lease Agreements Verified - ["2023","2024","2025"] | Borrower - ["2024","2025","2023"] \|\| Co Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx | Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-821D Employment Authorization Document (I-821-D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 488646 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.97% | 22.97% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 20 | Tax Preparer | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] \|\| Co Borrower | Borrower - ["2025","2024"] \|\| Co Borrower | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 393432 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.71% | 18.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 19 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.25 | N/A | xxx | xxx | xxx | xxx | 1 |
| 689783 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 23.68% | 23.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 19 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 59.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 713449 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.57% | 21.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 500682 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.60% | 42.60% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | 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, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 989673 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.93% | 36.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | 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 | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 62.62 | N/A | xxx | xxx | xxx | xxx | 1 |
| 601673 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.82% | 38.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 871557 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.18% | 35.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 188470 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.94% | 29.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 27 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.47 | N/A | xxx | xxx | xxx | xxx | 1 |
| 881423 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.28% | 35.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 23 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2024","2025","2023"] | Borrower - ["2024","2025","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 817326 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.92% | 37.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 390086 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.63% | 29.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 63.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 853834 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.85% | 46.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 416919 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.23% | 15.23% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 20 | CPA |  |  |  | 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, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 963360 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.18% | 46.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 35 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 784169 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.01% | 30.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 355267 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 5.55% | 5.55% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 20 | CPA | Audited | CPA | 20 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - <br> ["2024","2025"] \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | xxx | xxx | Work Visa |  | xxx | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx | xxx | xxx | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 379760 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.79% | 29.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 111 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 709372 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.19% | 46.19% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 48.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 693461 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.97% | 40.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 19 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 718368 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.92% | 40.92% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 95.00% |  |  | Audited | 8 | CPA | N/A | N/A | 0 | Yes | 8 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified - ["2023","2024","2025"] \|\| Co Borrower | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified - ["2023","2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | Yes - ITIN Letter/Certificate | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 49.08 | N/A | xxx | xxx | xxx | xxx | 1 |
| 492098 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.27% | 21.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 18 | Tax Preparer |  |  |  | Yes | 92 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 453120 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 12.87% | 12.87% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Accountant/Bookkeeper |  |  |  | Yes | 92 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Foreign National | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 898326 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 21.84% | 21.84% | Yes | Yes | 1 | 1 | 1 | 1 | 1 | 1 | Self-Employed | Not Employed | Not Employed | Not Employed | .00 | .00 | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 0.00% |  | Audited | 20 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - N/A \|\| Co Borrower 2 - N/A \|\| Co Borrower 3 - N/A | Borrower - ["2024","2025"] \|\| Co Borrower \|\| Co Borrower 2 \|\| Co Borrower 3 | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Non Permanent Resident Alien | Foreign National | N/A | Passport | USA Patriot Act | xxx | xxx | xxx | xxx | xxx | N/A |  |  | Non Permanent Resident Alien | Foreign National | N/A | Passport | USA Patriot Act | xxx | xxx | xxx | xxx | xxx | N/A |  |  | Non Permanent Resident Alien | Foreign National | N/A | Passport |  | N/A | xxx | xxx | xxx | xxx | N/A |  |  | Non Permanent Resident Alien | Foreign National | N/A | Passport |  | N/A | xxx | xxx | xxx | xxx | N/A |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 345390 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 10.55% | 10.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 90 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | Yes | xxx | xxx | xxx | xxx | 1 |
| 568147 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.73% | 37.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 52 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 48.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 424118 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.08% | 35.08% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 2 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 51.00% | 49.00% |  | Borrower Prepared | 8 | Borrower | Borrower Prepared | Borrower | 8 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2023"] \|\| Co Borrower - SEPartnership - 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2023"] | Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2024","2023"] \|\| Co Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | Yes - ITIN Card | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | Yes - ITIN Card | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 222940 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.44% | 46.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 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 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 941351 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.71% | 44.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | Yes | xxx | xxx | xxx | xxx | 1 |
| 480443 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.54% | 39.54% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 203989 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.19% | 21.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 32 | Tax Preparer |  |  |  | Yes | 32 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.09 | N/A | xxx | xxx | xxx | xxx | 1 |
| 333448 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.56% | 33.56% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 151916 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.13% | 42.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 277 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act Form | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 605142 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.43% | 44.43% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer | N/A | N/A | 0 | Yes | 168 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] \|\| Co Borrower - N/A | Borrower - ["2025","2024"] \|\| Co Borrower | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 32.05 | N/A | xxx | xxx | xxx | xxx | 1 |
| 693840 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.93% | 19.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 201412 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.47% | 36.47% | Yes |  |  |  |  |  |  |  | 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% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 145 | 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, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 751667 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 18.04% | 18.04% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 19 | CPA |  |  |  | Yes | 19 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 |  | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 397852 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 26.08% | 26.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 19 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 34.23 | N/A | xxx | xxx | xxx | xxx | 1 |
| 496315 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.99% | 25.99% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | 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, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 2 |
| 545991 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.48% | 31.48% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 224791 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.44% | 32.44% | 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 |  |  |  | Yes | 39 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 865462 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.53% | 40.53% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | CPA |  |  |  | Yes | 33 | 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, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 892086 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.68% | 34.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 44 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 898332 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.84% | 43.84% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 13 | 13 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2024","2025"] \|\| Co Borrower - SSI and Disability | Borrower - ["2024","2025"] \|\| Co Borrower | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 126832 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.57% | 26.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 75 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 46.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 913375 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.47% | 42.47% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 295121 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.46% | 44.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 817439 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.43% | 45.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | 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 |  | Yes | 33 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.35 | N/A | xxx | xxx | xxx | xxx | 1 |
| 518986 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.45% | 28.45% | 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 |  |  |  | Yes | 164 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 530854 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.40% | 34.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 630371 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 27.31% | 27.31% | 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 |  |  |  | Yes | 429 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.71 | N/A | xxx | xxx | xxx | xxx | 1 |
| 418408 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.66% | 32.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 20 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 862364 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.71% | 22.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | US Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 55.03 | N/A | xxx | xxx | xxx | xxx | 3 |
| 460362 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.67% | 41.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 66.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 842992 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.71% | 45.71% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | CPA | N/A | N/A | 0 | Yes | 81 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower | Borrower - ["2024","2025"] \|\| Co Borrower | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 114796 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.00% | 34.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 913951 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.41% | 36.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 376036 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.26% | 37.26% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 20 | Yes | 32 | Yes | 32 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024"] \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024"] \|\| Co Borrower - ["2024","2025"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.16 | N/A | xxx | xxx | xxx | xxx | 1 |
| 989494 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 4.93% | 4.93% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 648487 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.88% | 43.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 44 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 63.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 949511 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 10.71% | 10.71% | 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 |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 968913 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.30% | 23.30% | 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 |  |  |  | Yes | 80 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.67 | Yes | xxx | xxx | xxx | xxx | 1 |
| 659989 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.34% | 29.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 77.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 644625 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.78% | 36.78% | No | No |  |  |  |  |  |  | Unknown | Self-Employed |  |  |  |  | 1YR Business P&L | 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 | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Audited | Tax Preparer | 20 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss) \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No | Closed End | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 885446 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.52% | 26.52% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No | Closed End | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 777442 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.57% | 29.55% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 28.03 | N/A | xxx | xxx | xxx | xxx | 1 |
| 355981 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.97% | 40.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 312288 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.65% | 39.65% | 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 |  |  |  | 96.74% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 710674 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.96% | 25.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 316 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 705174 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.23% | 29.23% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 492840 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.44% | 44.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  | Stocks/Bonds | Audited | 20 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 279074 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.26% | 38.26% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 162374 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.49% | 14.49% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 753387 |  |  | 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 |  | xxx |  | xxx | No |  | $0.00 | $0.00 | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.10% | 32.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 608713 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.03% | 21.03% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 19 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] \|\| Co Borrower | Borrower - ["2025","2024"] \|\| Co Borrower | xxx | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 51.75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 251786 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.44% | 40.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 39 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 759787 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.73% | 36.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 988493 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.19% | 18.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 977869 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.24% | 38.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 62.16 | N/A | xxx | xxx | xxx | xxx | 1 |
| 730016 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.66% | 41.66% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 20 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2025","2024"] \|\| Co Borrower - Lease Agreements Verified | Borrower - ["2025","2024"] \|\| Co Borrower | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 578743 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 8.55% | 8.55% | 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 |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 473171 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 16.67% | 16.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 33.33% |  |  | Third-Party Prepared (Unaudited) | 20 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 30.27 | Yes | xxx | xxx | xxx | xxx | 1 |
| 181655 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.99% | 34.99% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 21 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - N/A | Borrower - ["2024","2025"] \|\| Co Borrower | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 63.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 442436 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.02% | 37.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 480042 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.02% | 33.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 171 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 803972 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.87% | 42.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 41 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 791155 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.32% | 48.32% | 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% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 153 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | 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 | No | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 908480 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.93% | 44.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 132 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 602068 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.92% | 39.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 61 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.37 | N/A | xxx | xxx | xxx | xxx | 1 |
| 793900 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.62% | 40.62% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 19 | Tax Preparer |  |  |  | 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, YTD Profit And Loss Verified, Lease Agreements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 470419 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.92% | 28.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 115 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 50 | N/A | xxx | xxx | xxx | xxx | 1 |
| 751810 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.97% | 36.97% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 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 | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | Accountant/Bookkeeper | 20 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower \|\| Co Borrower - ["2025","2024"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Resident Alien |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.98 | Yes | xxx | xxx | xxx | xxx | 1 |
| 245289 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.11% | 46.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 34 | 32 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 47.37 | Yes | xxx | xxx | xxx | xxx | 1 |
| 992808 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.35% | 44.35% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2024","2025"] \|\| Co Borrower | Borrower - ["2024","2025"] \|\| Co Borrower | 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 | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.84 | N/A | xxx | xxx | xxx | xxx | 4 |
| 619545 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.78% | 42.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 30 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 73.56 | N/A | xxx | xxx | xxx | xxx | 1 |
| 557557 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.93% | 23.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 18 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 481350 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.70% | 46.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 13 | 14 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 387606 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.33% | 33.15% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 931650 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.30% | 33.30% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 70.20% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified - ["2025","2024","2023"] | Borrower - ["2025","2024"] \|\| Co Borrower - ["2025","2024","2023"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | 229 | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 35.15 | N/A | xxx | xxx | xxx | xxx | 1 |
| 449866 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.44% | 36.44% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 99.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 98 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 46.51 | N/A | xxx | xxx | xxx | xxx | 1 |
| 714399 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 6.01% | 6.01% | 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% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 574473 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.25% | 22.25% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 50.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 848493 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.31% | 31.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 20 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 126823 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.68% | 39.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | CPA |  |  |  | Yes | 87 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 863872 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.48% | 45.48% | 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 |  |  |  | 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, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 675851 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.98% | 36.98% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 766112 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.87% | 25.87% | 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 |  |  |  | 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, Business Bank Statements Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 274297 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.95% | 48.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 41 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified, Lease Agreements Verified - ["2023","2024","2025"] | Borrower - ["2023","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 |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 53.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 898461 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.45% | 41.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 98.50% |  |  | Audited | 19 | CPA |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 799594 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.34% | 35.34% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 19 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Foreign National | Foreign National | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | Yes | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 699613 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.06% | 41.06% | 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% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 626042 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.32% | 41.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 236433 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.74% | 42.74% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 3 | 3 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025"] \|\| Co Borrower | Borrower - ["2025"] \|\| Co Borrower | xxx | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 534700 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.65% | 35.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 382198 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 25.92% | 25.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | CPA |  |  |  | Yes | 51 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 587416 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.02% | 38.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 15 | 15 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 455515 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.67% | 29.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 73.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 190301 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.88% | 27.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 230519 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.44% | 33.44% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 641541 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.74% | 22.74% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | CPA |  |  |  | Yes | 129 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Foreign National | Foreign National | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 167711 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.07% | 43.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 803360 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 50.24% | 50.24% | 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 | Yes | 45 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower | Borrower - ["2024","2025"] \|\| Co Borrower | 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 | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 138359 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.02% | 38.02% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 61 | 32 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 595403 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.06% | 41.06% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 64 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 512427 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.38% | 40.38% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 34 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Written VOE Verified - ["2022","2023","2024"] | Borrower - ["2022","2023","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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 281987 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.42% | 41.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 117 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.47 | N/A | xxx | xxx | xxx | xxx | 1 |
| 986776 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.48% | 45.48% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 57.62 | N/A | xxx | xxx | xxx | xxx | 1 |
| 163112 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.38% | 35.38% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 39.08 | N/A | xxx | xxx | xxx | xxx | 1 |
| 152702 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 12.45% | 12.45% | 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 |  |  |  | Yes | 35 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.78 | N/A | xxx | xxx | xxx | xxx | 1 |
| 342929 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.41% | 39.41% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 890021 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.17% | 30.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 49 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 983029 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.84% | 46.84% | 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 |  |  |  | Yes | 217 | 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, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 830929 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.24% | 46.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 246264 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 8.93% | 8.93% | Yes |  |  |  |  |  |  |  | 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% | 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 - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["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 | Missing |  |  | xxx |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 58.06 | N/A | xxx | xxx | xxx | xxx | 3 |
| 799820 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.36% | 46.36% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | Tax Preparer | 19 | NA | 0 | Yes | 24 | Yes | 27 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] \|\| Co Borrower - ["2025","2024","2023"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 129748 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 24.03% | 24.03% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 28.00% | 0.00% |  | Audited | 19 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] \|\| Co Borrower - N/A | Borrower - ["2025","2024"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Foreign National | Foreign National | No | Passport |  | xxx | xxx | xxx | xxx | xxx | Work Visa |  | xxx | Foreign National | Foreign National | No | Passport |  | xxx | xxx | xxx | xxx | xxx | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 671122 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.35% | 26.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 51 | N/A | xxx | xxx | xxx | xxx | 1 |
| 723324 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 18.14% | 18.14% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 20 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - N/A - [] | Borrower - ["2024","2025"] \|\| Co Borrower - [] | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx | xxx | xxx | I-551 Stamp and Passport |  | xxx | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 883573 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.64% | 33.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 770133 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.57% | 37.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 859133 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.50% | 26.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | Third-Party Prepared (Unaudited) | 20 | Accountant/Bookkeeper |  |  |  | Yes | 38 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | Yes | xxx | xxx | xxx | xxx | 1 |
| 880166 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.85% | 40.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 1040 Schedule E Verified - ["2025","2024"] | Borrower - 1040 Schedule E 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | No | xxx | xxx | xxx | xxx | 1 |
| 282263 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.82% | 34.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 18 | Accountant/Bookkeeper |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 147882 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.03% | 43.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 35 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, Written VOE Verified, Lease Agreements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | 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 | No | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 216911 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.82% | 42.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | Tax Preparer |  |  |  | Yes | 228 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 954670 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.25% | 40.25% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 647258 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.88% | 33.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 50 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 463209 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.46% | 32.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 52 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 31.28 | N/A | xxx | xxx | xxx | xxx | 1 |
| 663466 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 24.81% | 24.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | Yes | xxx | xxx | xxx | xxx | 1 |
| 633897 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.65% | 29.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 78 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.37 | N/A | xxx | xxx | xxx | xxx | 1 |
| 273084 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.99% | 41.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 246011 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.30% | 47.30% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 41 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 37.74 | N/A | xxx | xxx | xxx | xxx | 1 |
| 884977 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.51% | 45.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 763463 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.11% | 37.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 30 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 48.84 | N/A | xxx | xxx | xxx | xxx | 1 |
| 957627 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.21% | 29.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 597214 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.29% | 43.29% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 7 | 7 | Work Number | Yes | 45 | 96 | Work Number | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified - ["2024","2025"] \|\| Co Borrower - Wage - Written VOE Verified - ["2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2024","2025"] | xxx | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 711296 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.59% | 46.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 24 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 729231 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.13% | 42.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 452278 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.91% | 47.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 44 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 735726 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.10% | 20.10% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 252377 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.41% | 38.41% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 25 | 25 | FNMA 1005 | Yes | 25 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] \|\| Co Borrower - ["2025","2024","2023"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 853586 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 6.94% | 6.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 636577 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.91% | 47.91% | 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% | 33.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 184536 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.96% | 33.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 220738 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.53% | 48.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 105 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 210186 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.36% | 45.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 318768 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.82% | 34.82% | 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% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 873475 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.41% | 49.41% | 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% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 834620 |  |  | 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 |  | xxx |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.21% | 24.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 68 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 50 | N/A | xxx | xxx | xxx | xxx | 1 |
| 631271 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.27% | 37.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 473248 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.02% | 33.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 713955 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 10.38% | 10.38% | 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% | 80.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 153 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - [] | Borrower - [] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 863910 |  |  | 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 |  | xxx |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.89% | 47.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 150 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 |  | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 943422 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.43% | 39.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 104 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 274040 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.42% | 26.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 52.63 | Yes | xxx | xxx | xxx | xxx | 1 |
| 528168 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.09% | 38.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 42 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 167818 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.44% | 37.44% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | 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 | Yes | 72 | 72 | FNMA 1005 | Yes | 72 | 72 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] \|\| Co Borrower - ["2023","2024","2025"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 300940 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.98% | 40.98% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 717671 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.30% | 33.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 498926 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.31% | 44.31% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer | N/A | N/A | 0 | Yes | 64 | No | 0 | NA | 0 | 0 | N/A | Yes | 66 | 33 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2023","2024","2025"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 991767 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.69% | 48.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 896696 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.55% | 41.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 29 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 115735 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.42% | 32.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 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 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 |  | Missing |  |  | xxx |  |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 279844 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.47% | 40.47% | 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% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | 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, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 734906 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.17% | 28.17% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 134821 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.31% | 35.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 66 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 584852 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 17.84% | 17.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 2 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 676856 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | 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 | 1.386 | 1.386 | 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 Parriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 21.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 318073 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | 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 | 1.012 | 1.012 |  | 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 | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.11 | N/A | xxx | xxx | xxx | xxx | 1 |
| 846055 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.41% | 32.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 559792 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | 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% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.021 | 1.021 |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 66.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 515428 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | 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% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1.006 | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 405831 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.20% | 35.20% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 93 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 435327 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.33% | 44.33% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 276285 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | 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 | 1.309 | 1.309 |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 35.40 | N/A | xxx | xxx | xxx | xxx | 1 |
| 979706 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.23% | 45.23% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 58 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.07 | N/A | xxx | xxx | xxx | xxx | 1 |
| 846090 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.67% | 32.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 68 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | No | xxx | xxx | xxx | xxx | 1 |
| 510506 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.80% | 43.80% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 35 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 43.68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 394871 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.39% | 26.39% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 38.54 | N/A | xxx | xxx | xxx | xxx | 1 |
| 804334 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.15% | 37.15% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | Yes | xxx | xxx | xxx | xxx | 1 |
| 748978 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.04% | 38.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409804 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 28.00% | 28.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 798486 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.65% | 34.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 43 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 529347 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.72% | 44.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 30 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 251485 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.37% | 43.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 78.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 491949 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.37% | 20.37% | 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% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - N/A | Borrower - ["2024","2025"] \|\| Co Borrower | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.84 | N/A | xxx | xxx | xxx | xxx | 1 |
| 176971 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.00% | 39.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 341450 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.42% | 48.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | Audited | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50 | N/A | xxx | xxx | xxx | xxx | 1 |
| 458050 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.92% | 44.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 42 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 733394 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.90% | 42.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 109 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 669008 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.96% | 38.96% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 169960 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.93% | 44.93% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 30 | No |  |  |  | 0.00% | 40.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 910882 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.18% | 46.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 56 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 369216 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.87% | 33.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 80.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 41 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 740647 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.45% | 44.45% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 61.83% | 0.00% | 100.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified - ["2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025"] \|\| Co Borrower - ["2025","2024"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | Yes | No | N/A | xxx | xxx | xxx | xxx | No | 75 | Yes | xxx | xxx | xxx | xxx | 3 |
| 429284 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.87% | 44.87% | 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 |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 790021 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.27% | 38.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.31 | N/A | xxx | xxx | xxx | xxx | 1 |
| 775821 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.84% | 38.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 2 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Personal Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 264850 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.78% | 29.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 40 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 39.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 247176 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.39% | 48.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | 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 |  | Yes | 140 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T 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 | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 371486 |  |  | 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 |  | xxx |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.96% | 44.96% | 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 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 142416 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.88% | 34.88% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 20 | 20 | FNMA 1005 | Yes | 21 | 9 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024"] \|\| Co Borrower - Wage - Written VOE Verified - ["2025"] | Borrower - ["2025","2024"] \|\| Co Borrower - ["2025"] | xxx | 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 | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 53.48 | Yes | xxx | xxx | xxx | xxx | 1 |
| 924429 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.35% | 42.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | Yes | 34 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - CPA Letter Verified, Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60.78 | N/A | xxx | xxx | xxx | xxx | 1 |
| 646581 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.70% | 38.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 437504 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.93% | 45.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 23 | 23 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 886206 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.05% | 46.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 432235 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.80% | 46.80% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | Tax Preparer |  |  |  | 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, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 681665 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.18% | 48.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 61 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 171919 |  |  | 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 |  | xxx |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.73% | 42.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 248343 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 9.53% | 9.53% | 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 |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 479837 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 17.53% | 17.53% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 66.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 866537 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.69% | 39.69% | 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 |  |  |  | Yes | 67 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 879191 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.25% | 40.25% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 45 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 242763 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 22.57% | 22.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 48.96 | Yes | xxx | xxx | xxx | xxx | 1 |
| 138227 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 28.41% | 28.41% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 376543 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.94% | 47.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 55 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","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 |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65.15 | N/A | xxx | xxx | xxx | xxx | 1 |
| 934216 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.51% | 48.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 62.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 994167 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.92% | 35.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 30 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2023","2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 61.54 | N/A | xxx | xxx | xxx | xxx | 1 |
| 533975 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.98% | 33.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 250 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | Yes | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 883549 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.71% | 39.71% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 78.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 656591 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.72% | 40.72% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 20 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - Other REO Net Rental Income(Loss) | Borrower - ["2024","2025"] \|\| Co Borrower | 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 | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 3 |
| 705953 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 30.45% | 30.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 92 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 827415 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | 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 | 1.845 | 1.204 |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 53.36 | N/A | xxx | xxx | xxx | xxx | 3 |
| 808296 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.39% | 22.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 190 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.33 | N/A | xxx | xxx | xxx | xxx | 1 |
| 976441 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.63% | 45.63% | 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% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 52 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["2023","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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 730106 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.30% | 41.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.01 | N/A | xxx | xxx | xxx | xxx | 1 |
| 183135 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.76% | 29.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 404006 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 7.54% | 7.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 48.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 506093 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 14.86% | 14.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | No | xxx | xxx | xxx | xxx | 1 |
| 300522 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.59% | 33.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 207607 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.08% | 41.08% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 21 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - N/A | Borrower - ["2024","2025"] \|\| Co Borrower | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 379469 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.38% | 28.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 41.38 | N/A | xxx | xxx | xxx | xxx | 1 |
| 159229 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.65% | 35.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 34.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 909326 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.89% | 36.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 118 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 662575 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.55% | 43.55% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | Tax Preparer |  |  |  | Yes | 60 | 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, YTD Profit And Loss Verified, Lease Agreements Verified - ["2024","2025"] | Borrower - ["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 | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 221823 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.12% | 32.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 30 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 862561 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.77% | 35.77% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 21 | CPA | Audited | CPA | 21 | Yes | 120 | Yes | 120 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2024","2025"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 546315 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 13.11% | 13.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 37.59 | N/A | xxx | xxx | xxx | xxx | 1 |
| 424107 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.49% | 33.49% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 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 - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.53 | N/A | xxx | xxx | xxx | xxx | 1 |
| 953140 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.42% | 46.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 23 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 266932 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.47% | 46.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 530091 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.16% | 38.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 21 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 858445 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.80% | 34.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 30 | No |  | Yes | 135 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Written VOE Verified - ["2025","2024","2023"] | Borrower - ["2025","2024","2023"] | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 917945 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.20% | 46.20% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 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 | 24 | Yes | Yes | 0 | 24 | 100.00% | 49.00% | 51.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025","2023"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["2024","2025","2023"] \|\| Co Borrower - ["2023","2024","2025"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 357805 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.59% | 31.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 181086 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 4.00% | 4.00% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 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 | 24 | No | N/A | 0 | 0 | 100.00% | 90.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024","2023"] \|\| Co Borrower - N/A | Borrower - ["2025","2024","2023"] \|\| Co Borrower | 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 | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 889274 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 16.22% | 16.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 188684 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.55% | 33.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 21 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 199385 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 15.60% | 15.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 21 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | xxx | No | 43.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 598218 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.56% | 40.56% | No |  | 3 | 4 |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | Accountant/Bookkeeper |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 383349 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.24% | 35.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 22 | Tax Preparer |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 989773 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.79% | 39.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 |  | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 658037 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.02% | 32.02% | 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 |  |  |  | 97.85% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 598750 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 8.73% | 8.73% | 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 |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 91 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 28.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 160126 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.30% | 49.30% | 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% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 35 | 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, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 666766 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.10% | 28.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 16.07 | N/A | xxx | xxx | xxx | xxx | 2 |
| 515445 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.31% | 41.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 118970 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.25% | 15.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | Tax Preparer |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 315090 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.23% | 43.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 73.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 716537 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.43% | 43.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 240181 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.54% | 31.54% | 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 |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 53.33 | N/A | xxx | xxx | xxx | xxx | 1 |
| 755228 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.04% | 45.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 421585 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 10.80% | 10.80% | 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% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 64 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.19 | N/A | xxx | xxx | xxx | xxx | 1 |
| 453322 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.63% | 30.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 66.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 511018 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.12% | 43.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 22 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 61.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 600871 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.43% | 36.43% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 22 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified - ["2025","2024","2023"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2025","2024","2023"] | 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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.35 | N/A | xxx | xxx | xxx | xxx | 1 |
| 816622 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 12.91% | 12.91% | 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 |  |  |  | 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, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 77.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 472649 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.94% | 37.94% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 22 | Tax Preparer | N/A | N/A | 0 | Yes | 240 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - N/A | Borrower - ["2024","2025"] \|\| Co Borrower | 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 | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 931721 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.78% | 32.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 443169 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.76% | 22.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 22 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 418971 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.63% | 35.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["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 | Other | Patriot Act Disclosure | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 2 |
| 359144 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.66% | 32.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | US Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 58.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 670288 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.85% | 34.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 21 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 842996 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.13% | 44.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 22 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - [] | Borrower - [] | 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 | Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 809274 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.65% | 36.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 933404 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.85% | 39.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | CPA |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 709498 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.29% | 48.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 22 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2025","2024"] | Borrower - ["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 | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 309087 |  |  | 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 |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.43% | 34.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 22 | CPA |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["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 | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |

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## Exhibit 99.16

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Investor Loan ID** | &nbsp;&nbsp;**Queue** | &nbsp;&nbsp;**Finding Code** | &nbsp;&nbsp;**Date Created** | &nbsp;&nbsp;**Date Modified** | &nbsp;&nbsp;**Finding Status** | &nbsp;&nbsp;**Event Level** | &nbsp;&nbsp;**Finding Category** | &nbsp;&nbsp;**Finding Sub Category** | &nbsp;&nbsp;**Finding Name** | &nbsp;&nbsp;**Finding Comments** | &nbsp;&nbsp;**Seller Comments** | &nbsp;&nbsp;**Resolution Comments** | &nbsp;&nbsp;**Reviewer Comp Factor** | &nbsp;&nbsp;**Originator Comp Factors** | &nbsp;&nbsp;**Finding Documents** | &nbsp;&nbsp;**Originator QM Status** | &nbsp;&nbsp;**Final Reviewed QM Status** | &nbsp;&nbsp;**Loan Amount** | &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Refinance Purpose** | &nbsp;&nbsp;**Acknowledged / WaivedBy** | &nbsp;&nbsp;**Waiver in File?** | &nbsp;&nbsp;**Unique Finding ID** |
| &nbsp;&nbsp;221181 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;571512 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;157319 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;420446 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;142238 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1119 | &nbsp;&nbsp;2025-05-15 18:43 | &nbsp;&nbsp;2025-05-22 14:39 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing | &nbsp;&nbsp;Borrower 2 Deed of Trust Signature does not match Note | &nbsp;&nbsp;Resolved-The Note & DOT were both signed in a POA the DOT is vested in a business - Due Diligence Vendor-05/22/2025 <br>Ready for Review-we lend the borrower not LLC , that's why Note its reflecting POA as signature. - Seller-05/21/2025 <br>Open-Borrower 2 Signature does not match Note Per Note, B2 executed utilizing a POA. The Mortgage is in the name of a LLC and executed as members of the LLC. Signatures on the documents do not match. - Due Diligence Vendor-05/21/2025 | &nbsp;&nbsp;Ready for Review-we lend the borrower not LLC , that's why Note its reflecting POA as signature. - Seller-05/21/2025<br>| &nbsp;&nbsp;Resolved-The Note & DOT were both signed in a POA the DOT is vested in a business - Due Diligence Vendor-05/22/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated dti of 10.63% is >38% below maximum 49% allowed. Calculated DTI Of 10.63% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - B1 with >21 years job stability. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - B1 with >21 years job stability. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.59 Years |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;4158068 |
| &nbsp;&nbsp;142238 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1118 | &nbsp;&nbsp;2025-05-15 18:43 | &nbsp;&nbsp;2025-05-22 14:38 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing | &nbsp;&nbsp;Borrower 1 Deed of Trust Signature does not match Note | &nbsp;&nbsp;Resolved-The Note & DOT were both signed in a POA the DOT is vested in a business - Due Diligence Vendor-05/22/2025 <br>Ready for Review-we lend the borrower not LLC , that's why Note its reflecting POA as signature. - Seller-05/21/2025 <br>Open-Borrower 1 Signature does not match Note Per Note, B1 executed utilizing a POA. The Mortgage is in the name of a LLC and executed as members of the LLC. Signatures on the documents do not match. - Due Diligence Vendor-05/21/2025 | &nbsp;&nbsp;Ready for Review-we lend the borrower not LLC , that's why Note its reflecting POA as signature. - Seller-05/21/2025<br>| &nbsp;&nbsp;Resolved-The Note & DOT were both signed in a POA the DOT is vested in a business - Due Diligence Vendor-05/22/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated dti of 10.63% is >38% below maximum 49% allowed. Calculated DTI Of 10.63% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - B1 with >21 years job stability. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - B1 with >21 years job stability. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.59 Years |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;4158067 |
| &nbsp;&nbsp;142238 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE5275 | &nbsp;&nbsp;2025-05-21 10:13 | &nbsp;&nbsp;2025-05-22 14:38 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Asset do not meet guidelines | &nbsp;&nbsp;Resolved-Signed ACH Form provided. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. Uploaded ACH form - Seller-05/21/2025 <br>Open-Missing evidence of Automatic Payment Authorization (ACH) Form as required for all foreign national borrowers. - Due Diligence Vendor-05/21/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Uploaded ACH form - Seller-05/21/2025<br>| &nbsp;&nbsp;Resolved-Signed ACH Form provided. - Due Diligence Vendor-05/22/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated dti of 10.63% is >38% below maximum 49% allowed. Calculated DTI Of 10.63% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - B1 with >21 years job stability. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - B1 with >21 years job stability. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.59 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;4203135 |
| &nbsp;&nbsp;142238 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1964 | &nbsp;&nbsp;2025-05-21 10:06 | &nbsp;&nbsp;2025-05-22 14:37 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;Resolved-Operating Agreement provided for xxx B1 has 99% ownership and B2 has 1% ownership of this business. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Uploaded DGM document - Seller-05/21/2025 <br> Open-Mortgage in the name of LLC, loan file is missing Article of Organization for xxx. - Due Diligence Vendor-05/21/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Uploaded DGM document - Seller-05/21/2025<br>| &nbsp;&nbsp;Resolved-Operating Agreement provided for xxx B1 has 99% ownership and B2 has 1% ownership of this business. - Due Diligence Vendor-05/22/2025 | &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated dti of 10.63% is >38% below maximum 49% allowed. Calculated DTI Of 10.63% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - B1 with >21 years job stability. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - B1 with >21 years job stability. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.59 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;4203066 |
| &nbsp;&nbsp;284147 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1159 | &nbsp;&nbsp;2025-06-18 12:05 | &nbsp;&nbsp;2025-06-20 11:55 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Document Uploaded. - Seller-06/18/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-06/18/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-06/18/2025<br>| &nbsp;&nbsp;Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/20/2025 | &nbsp;&nbsp;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 - 6.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.17% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;4487910 |
| &nbsp;&nbsp;851657 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;350689 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;884837 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;518922 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;671506 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;420383 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1440 | &nbsp;&nbsp;2025-07-23 10:31 | &nbsp;&nbsp;2025-08-01 10:51 | &nbsp;&nbsp;Waived | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;Waived-Exception granted with supporting comp factor: Exception provided Mortgage lates of 3x30. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Rebuttal/Comment: Please see uploaded management exception:<br> Exception provided mortgage lates of 3x30.<br> 1. Low LTV - Seller-07/31/2025 <br> Counter-Mortgage lates of 3x30 in previous 12 months stands, and is outside of guidelines. Lender exception is required. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-07/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per xxx states max mortgage lates allowed are 1x30x12. TPR reviewed borrowers transaction/mtg history with lender under doc pg #613-614, it shows borrowers was 3x30x12 (borrower lates are as follows: xxx payment was made xxx, xxx payment was made xxx, xxx payment made xxx - Due Diligence Vendor-07/23/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Rebuttal/Comment: Please see uploaded management exception:<br> Exception provided mortgage lates of 3x30.<br> 1. Low LTV - Seller-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| &nbsp;&nbsp;Waived-Exception granted with supporting comp factor: Exception provided Mortgage lates of 3x30. - Due Diligence Vendor-08/01/2025<br>| &nbsp;&nbsp;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 620 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years | &nbsp;&nbsp; Low LTV. | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;Yes | &nbsp;&nbsp;4917544 |
| &nbsp;&nbsp;670111 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1468 | &nbsp;&nbsp;2025-07-23 08:21 | &nbsp;&nbsp;2025-07-28 11:17 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Assets | &nbsp;&nbsp;Asset 2 Missing | &nbsp;&nbsp;Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Please note that per guidelines we only require 6 months of reserves (xxx) and we have provided bank statement reflecting xxx of assets. - Seller-07/25/2025 <br> Counter-Apologizes for the confusion: the CTC per Final CD is xxx - audited verified Assets from xxx is xxx - Guidelines require 6 months reserves xxx - xxx - CTC xxx = xxx / Required Reserves xxx - Short reserves by - xxx - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Please note that gift funds were waived, that's why they are not being reflected on final cd - Seller-07/23/2025 <br> Open-Asset 2 Missing No evidence that the gift from spouse was deposited into borrower's account. Additionally, gift funds were not applied at closing. Lender to provide documentation to support gift was received. - Due Diligence Vendor-07/23/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please note that per guidelines we only require 6 months of reserves (xxx) and we have provided bank statement reflecting xxx of assets. - Seller-07/25/2025 <br> Ready for Review-Please note that gift funds were waived, that's why they are not being reflected on final cd - Seller-07/23/2025 | &nbsp;&nbsp;Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-07/28/2025<br>| &nbsp;&nbsp;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 41.98 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 0.03<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.72% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;4915482 |
| &nbsp;&nbsp;170602 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;205335 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1335 | &nbsp;&nbsp;2025-08-06 10:03 | &nbsp;&nbsp;2025-08-08 12:40 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Income | &nbsp;&nbsp;Borrower 1 IRS Transcripts Missing | &nbsp;&nbsp;Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Uploaded tax transcripts - Seller-08/07/2025 <br>Open-Borrower 1 IRS Transcripts Missing 1099 Tax Transcripts required, missing. Per fraud report, tax returns not filed for one or more years. - Due Diligence Vendor-08/06/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Uploaded tax transcripts - Seller-08/07/2025<br>| &nbsp;&nbsp;Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-08/08/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.2% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<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 - 10.42 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5073155 |
| &nbsp;&nbsp;205335 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1325 | &nbsp;&nbsp;2025-08-06 10:40 | &nbsp;&nbsp;2025-08-08 12:40 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Employment | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Please note that we have provided PTIN letter stating that borrower has been receiving 1099 income for at least 4 years. - Seller-08/07/2025 <br>Open-Borrower 1 CPA Letter Missing Guidelines require: A Licensed Tax Preparer letter to evidence that borrower has been receiving 1099 income for at least 2 years. This document was not provided. - Due Diligence Vendor-08/06/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please note that we have provided PTIN letter stating that borrower has been receiving 1099 income for at least 4 years. - Seller-08/07/2025<br>| &nbsp;&nbsp;Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-08/08/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.2% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<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 - 10.42 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5074016 |
| &nbsp;&nbsp;253246 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM1227 | &nbsp;&nbsp;2025-08-19 14:06 | &nbsp;&nbsp;2026-01-27 21:34 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Closing Package | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;Resolved-Required DOT and PUD Rider provided with required re-recording language. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see attached re recorded DOT - Seller-01/27/2026 <br> Counter-Missing Corrected Security Instrument and riders " executed by borrower " - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Please see uploaded xxx. - Seller-08/29/2025 <br> Counter-Documentation provided is insufficient. Documentation required for resolution include: Corrected Security Instrument and riders executed by borrower, page 1 re-record declaration or cover sheet stating the reason for the re-record. Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Please see uploaded revised DOT and PUD. - Seller-08/21/2025 <br> Open-PUD Rider is Missing Per the Appraisal in file subject property is a PUD - Due Diligence Vendor-08/19/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see attached re recorded DOT - Seller-01/27/2026 <br> Ready for Review-Please see uploaded xxx. - Seller-08/29/2025 <br> Ready for Review-Document Uploaded. Please see uploaded revised DOT and PUD. - Seller-08/21/2025 | &nbsp;&nbsp;Resolved-Required DOT and PUD Rider provided with required re-recording language. - Due Diligence Vendor-01/28/2026<br>| &nbsp;&nbsp;Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 12.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 8.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5236535 |
| &nbsp;&nbsp;298151 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;974192 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;220515 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;650451 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;934100 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;914798 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1440 | &nbsp;&nbsp;2025-09-12 20:07 | &nbsp;&nbsp;2025-09-25 09:50 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;Resolved-Updated 1003 provided showing No Primary Housing Expense. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Apologies. Previous comment was to another file. <br>Please see uploaded final revised 1003. - Seller-09/25/2025 <br> Counter-The subject loan is a Second Home refinance and the condition is not asking for a Housing History and its asking for a corrected 1003 showing if the borrower owns, rents or has no primary housing expense for the property the borrower listed on as their current address located at xxx, xxx,xxx, xxx, xxx. Please review the document that was uploaded on xxx - SCREENSHOT xxx.JPG - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Apologies, Please note this is a purchase transaction, investment property. It is not required. Per Guideline "For any non-subject property, non-primary mortgages not reporting to the credit bureau, additional housing history is not required." Additional housing history is not required<br> - Seller-09/24/2025 <br> Counter-The Final 1003 does not state if they own, rent or have no primary housing expense. The payment History that keeps being provided is for the Subject Property Refinance (second Home) which matches Payment History from xxx located on page 34 - Final 1003 should reflect is the borrower owns, rents or has no primary housing. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see uploaded xxx - Seller-09/22/2025 <br> Counter-the LOE provided just states the borrower's address is at xxx vs advising if they own, rent or have no primary housing expense. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Please see uploaded LOE - xxx if this can satisfy the condition. - Seller-09/18/2025 <br> Counter-Document Uploaded. Payment provided for Subject Property however exception is for Final 1003 missing occupancy status for Borrower's current residence located at xxx, xxx. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Please see uploaded payment history. - Seller-09/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements 1003 does not identify the borrower's housing status - own, rent, or living rent free and the monthly expense. Supporting documentation will be required based on borrower's housing status per GL. - Due Diligence Vendor-09/13/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Apologies. Previous comment was to another file. <br>Please see uploaded final revised 1003. - Seller-09/25/2025 <br> Ready for Review-Apologies, Please note this is a purchase transaction, investment property. It is not required. Per Guideline "For any non-subject property, non-primary mortgages not reporting to the credit bureau, additional housing history is not required." Additional housing history is not required<br> - Seller-09/24/2025 <br> Ready for Review-Document Uploaded. Please see uploaded xxx - Seller-09/22/2025 <br> Ready for Review-Document Uploaded. Please see uploaded LOE - xxx if this can satisfy the condition. - Seller-09/18/2025 <br> Ready for Review-Please see uploaded payment history. - Seller-09/16/2025 | &nbsp;&nbsp;Resolved-Updated 1003 provided showing No Primary Housing Expense. - Due Diligence Vendor-09/25/2025<br>| &nbsp;&nbsp;Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.29% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.01% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5525207 |
| &nbsp;&nbsp;914798 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1827 | &nbsp;&nbsp;2025-09-12 20:24 | &nbsp;&nbsp;2025-09-16 12:49 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;US Driver's License or other US or foreign government-issued photo ID Incomplete | &nbsp;&nbsp;Resolved-Signed ACH form provided. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Uploaded ACH Form - Seller-09/16/2025 <br>Open-Foreign National borrower form requirements: Automatic Payment Authorization (ACH) Form and Borrower Contact Information Form. - Due Diligence Vendor-09/13/2025 | &nbsp;&nbsp;Ready for Review-Uploaded ACH Form - Seller-09/16/2025<br>| &nbsp;&nbsp;Resolved-Signed ACH form provided. - Due Diligence Vendor-09/16/2025<br>| &nbsp;&nbsp;Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.29% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.01% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5525377 |
| &nbsp;&nbsp;523223 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1254 | &nbsp;&nbsp;2025-09-15 19:39 | &nbsp;&nbsp;2025-09-23 14:41 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Title | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;Resolved-UCC termination Document provided. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Uploaded UCC submission - Seller-09/22/2025 <br> Open-Missing proof that xxx has taken a subordinate lien position on the subject property title. - Due Diligence Vendor-09/15/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Uploaded UCC submission - Seller-09/22/2025<br>| &nbsp;&nbsp;Resolved-UCC termination Document provided. - Due Diligence Vendor-09/23/2025<br>| &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.68 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 0.02<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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.76% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.84% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5546073 |
| &nbsp;&nbsp;824771 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;861861 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE6843 | &nbsp;&nbsp;2025-10-02 20:29 | &nbsp;&nbsp;2025-10-31 12:07 | &nbsp;&nbsp;Waived | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Assets | &nbsp;&nbsp;Asset General | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided accepting business funds with operation agreement - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. As per email conversation, please see uploaded exception. kindly reconsider. - Seller-10/29/2025 <br> Counter-Document Uploaded. Per xxx Guidelines: Business Funds: A Licensed Tax Preparer must provide a letter explaining that the withdrawal of the funds will not negatively affect the business operations. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. I uploaded the business license proof that It has the same borrower for both companies, so the funds used for assets will not negatively impact business operations. Kindly reconsider. - Seller-10/16/2025 <br> Counter-the condition is for LOE regarding xxx for the xxx iao xxx listed on Final 1003 where these funds are being used for assets that these funds will not negatively impact business operations, per GL requirement - Due Diligence Vendor-10/15/2025 <br> Ready for Review-the CPA confirms the borrower has 100% ownership of the business - Seller-10/14/2025 <br> Counter-Document Uploaded. The CPA letter is for xxx & xxx however the condition is for LOE regarding xxx for the xxx iao xxx listed on Final 1003. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Please see page 53. The PITN in file has an employment and mentioned It will not negatively impact business operations. - Seller-10/10/2025 <br> Open-Missing LOE from the tax preparer confirming that the use of business funds from xxx xxx will not negatively impact business operations, per GL requirements. - Due Diligence Vendor-10/03/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. As per email conversation, please see uploaded exception. kindly reconsider. - Seller-10/29/2025 <br> Ready for Review-Document Uploaded. I uploaded the business license proof that It has the same borrower for both companies, so the funds used for assets will not negatively impact business operations. Kindly reconsider. - Seller-10/16/2025 <br> Ready for Review-the CPA confirms the borrower has 100% ownership of the business - Seller-10/14/2025 <br> Ready for Review-Please see page 53. The PITN in file has an employment and mentioned It will not negatively impact business operations. - Seller-10/10/2025 | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided accepting business funds with operation agreement - Due Diligence Vendor-10/31/2025<br>| &nbsp;&nbsp;Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.3% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More | &nbsp;&nbsp;xxx Guidelines allow this<br> Low LTV 33.30%<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;Yes | &nbsp;&nbsp;5760838 |
| &nbsp;&nbsp;861861 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1254 | &nbsp;&nbsp;2025-10-02 20:16 | &nbsp;&nbsp;2025-10-15 14:23 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Title | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;Resolved-NON-ID / SAME NAME AFFIDAVIT provided - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. Please see uploaded Same Name Affidavit, Title confirm It does not belong to the borrower. - Seller-10/14/2025 <br> Open-Property Title Issue Missing proof that the following judgments listed on Title Report (page 423, Schedule B Part I, Item #6) have been paid in full and/or released: Instrument Numbers xxx, xxx, xxx, xxx, xxx, xxx, xxx, xxx, xxx, and xxx. - Due Diligence Vendor-10/03/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded Same Name Affidavit, Title confirm It does not belong to the borrower. - Seller-10/14/2025<br>| &nbsp;&nbsp;Resolved-NON-ID / SAME NAME AFFIDAVIT provided - Due Diligence Vendor-10/15/2025<br>| &nbsp;&nbsp;Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.3% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5760790 |
| &nbsp;&nbsp;861861 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE4989 | &nbsp;&nbsp;2025-10-02 20:36 | &nbsp;&nbsp;2025-10-13 12:15 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Collections, liens or judgments not paid at closing | &nbsp;&nbsp;Resolved-Updated CBR Supplement showing xxx with a balance of xxx now as a zero balance. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see uploaded screenshot from credit supplement, It shows 0 balance. - Seller-10/10/2025 <br> Open-Missing proof that the unpaid open collection (xxx) with a balance of xxx has been paid in full at closing. - Due Diligence Vendor-10/03/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded screenshot from credit supplement, It shows 0 balance. - Seller-10/10/2025<br>| &nbsp;&nbsp;Resolved-Updated CBR Supplement showing xxx with a balance of xxx now as a zero balance. - Due Diligence Vendor-10/13/2025 | &nbsp;&nbsp;Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.3% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5760850 |
| &nbsp;&nbsp;171169 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;219907 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1480 | &nbsp;&nbsp;2025-10-08 20:45 | &nbsp;&nbsp;2025-10-17 11:48 | &nbsp;&nbsp;Waived | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Assets | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided on using 1 month bank statement - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please note that we have a management exception:<br> Exception provided on using 1 month bank stmt.<br> 1. Good LTV (25% down) - Seller-10/16/2025 <br> Open-Asset 2 Does Not Meet Guideline Requirements Asset 2/xxx is not in Borrower's name - Insured and Beneficiary is xxx pages 400, 403; - Due Diligence Vendor-10/09/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please note that we have a management exception:<br> Exception provided on using 1 month bank stmt.<br> 1. Good LTV (25% down) - Seller-10/16/2025<br>| &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided on using 1 month bank statement - Due Diligence Vendor-10/17/2025<br>| &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 10.67 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 | &nbsp;&nbsp;Good LTV (25% Down) <br> Months Reserves Are Greater Than The Guideline Minimum By Six<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;Yes | &nbsp;&nbsp;5831212 |
| &nbsp;&nbsp;219907 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1479 | &nbsp;&nbsp;2025-10-08 20:45 | &nbsp;&nbsp;2025-10-17 11:48 | &nbsp;&nbsp;Waived | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Assets | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided on using 1 month bank statement - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please note that we have a management exception:<br> Exception provided on using 1 month bank stmt.<br> 1. Good LTV (25% down) - Seller-10/16/2025 <br> Open-Asset 1 Does Not Meet Guideline Requirements Proof B1 has Ownership of xxx - Asset1 /xxx pages 82, 90; - Due Diligence Vendor-10/09/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please note that we have a management exception:<br> Exception provided on using 1 month bank stmt.<br> 1. Good LTV (25% down) - Seller-10/16/2025<br>| &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided on using 1 month bank statement - Due Diligence Vendor-10/17/2025<br>| &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 10.67 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 | &nbsp;&nbsp;Good LTV (25% Down) <br> Months Reserves Are Greater Than The Guideline Minimum By Six<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;Yes | &nbsp;&nbsp;5831211 |
| &nbsp;&nbsp;512992 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1167 | &nbsp;&nbsp;2025-10-08 09:18 | &nbsp;&nbsp;2025-10-23 15:38 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | &nbsp;&nbsp;Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Please see uploaded. - Seller-10/22/2025 <br> Counter-Missing page 3 with the RCE amount. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see uploaded RCE - Seller-10/11/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Replacement Cost Estimator is Provided but Replacement Cost value page is Missing # 514 - Due Diligence Vendor-10/08/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded. - Seller-10/22/2025 <br>Ready for Review-Document Uploaded. Please see uploaded RCE - Seller-10/11/2025<br>| &nbsp;&nbsp;Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-10/23/2025<br>| &nbsp;&nbsp;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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.28% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.67 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.68 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 0.01 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5818001 |
| &nbsp;&nbsp;976188 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1198 | &nbsp;&nbsp;2025-10-09 09:44 | &nbsp;&nbsp;2025-11-03 14:20 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;Resolved-Audited Reserves of 24.09 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Counter-Please provided Titles Final ALTA/Settlement statement or Title's Disbursement log for TPR to determine actual Final Cash to Close from borrower. - additionally please compare Closing Disclosures issued to the borrower, Post Consummation accurately reflect the figures from title. If the PCCD provided to TPR has become inaccurate for any reason, please provide Post Consummation Closing Disclosure reflecting the final figures provided by title. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Please note the underwriter based his final approval on the initial cd (xxx) and the one that you are guiding on its a redisclosure (xxx) made after ctc (xxx), however by the time of funding the closing cost were xxx which left enough funds to cover reserves. - Seller-10/21/2025 <br> Counter-Document Uploaded. The PCCD states CTC as xxx - Audited verified Assets including all Gift funds total xxx - Loan required 6 Months reserves xxx - After CTC there is xxx left for reserves - Short reserves by xxx - Due Diligence Vendor-10/21/2025 <br> Ready for Review-could you please provide your calculation since our team is not getting the same one ? - Seller-10/21/2025 <br> Counter-Document Uploaded. The Final CD states CTC as xxx (includes EMD of xxx) - Audited Assets including all Gift funds total xxx - Loan required 6 Months reserves xxx - After CTC there is xxx left for reserves - Short reserves by xxx - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Please note that per final CD the following high-lighted amount were gifts only xxx were given from the borrowers account leaving in the account more than xxx for reserves. - Seller-10/10/2025 <br> Counter-Apologies for the confusion, the CTC per Final CD xxx and Verified Assets xxx - Reserves short by xxx to meet the 6 months requirement (Audited 5.26 months in reserves) - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Uploaded revised 1008 - Seller-10/09/2025 <br> Open-Audited Reserves of 5.26 are less than Guideline Required Reserves of 6 xxx per the 1008 and verified. - Due Diligence Vendor-10/09/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Ready for Review-Please note the underwriter based his final approval on the initial cd (xxx) and the one that you are guiding on its a redisclosure (xxx) made after ctc (xxx), however by the time of funding the closing cost were xxx which left enough funds to cover reserves. - Seller-10/21/2025 <br> Ready for Review-could you please provide your calculation since our team is not getting the same one ? - Seller-10/21/2025 <br> Ready for Review-Please note that per final CD the following high-lighted amount were gifts only xxx were given from the borrowers account leaving in the account more than xxx for reserves. - Seller-10/10/2025 <br> Ready for Review-Document Uploaded. Uploaded revised 1008 - Seller-10/09/2025 | &nbsp;&nbsp;Resolved-Audited Reserves of 24.09 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/03/2025 | &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.09 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 - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 49.3% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 42.65% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 17 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.41 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5835558 |
| &nbsp;&nbsp;654606 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE2994 | &nbsp;&nbsp;2025-10-10 18:57 | &nbsp;&nbsp;2025-10-21 13:42 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;DTI (Back) Ratio does not meet eligibility requirement(s) | &nbsp;&nbsp;Resolved-Updated 1008 provided now reflecting Audited DTI of 41.28% - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. I uploaded revised 1008 and final 1003 - Seller-10/20/2025 <br> Counter-The Updated 1008 now reflects a DTI of 28.33% Vs Audited DTI of 41.29% - Lenders 1008 is not including Subject Rent Loss of xxx- Audited Income is xxx / Subject rent Loss xxx / Primary Housing xxx/ Additional REO rent Loss xxx / Total Other Monthly Debt xxx = xxx Vs Lenders xxx - The Difference is xxx which is the Subject total PITIA - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Uploaded revised 1008 - Seller-10/15/2025 <br> Counter-Lenders 1008 is not including Subject Rent Loss of xxx - Audited Income is xxx / Subject rent Loss xxx / Primary Housing xxx / Additional REO rent Loss xxx / Total Other Monthly Debt xxx = xxx Vs Lenders xxx - The Difference is xxx which is the Subject total PITIA <br> - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Could you please provide your DTI calculation ? - Seller-10/13/2025 <br> Open-DTI variance- Audited Income is xxx Subject Rent loss is All other REO rent loss is xxx & Total Consumer Debts is xxx vs Lenders total of xxx consumer debts- Audited DTI is 41.29% vs Lenders DTI of 25.07%. Possbile pricing issue with dti variance of 16.22%(higher) than lenders calculation. - Due Diligence Vendor-10/10/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. I uploaded revised 1008 and final 1003 - Seller-10/20/2025 <br>Ready for Review-Document Uploaded. Uploaded revised 1008 - Seller-10/15/2025 <br>Ready for Review-Could you please provide your DTI calculation ? - Seller-10/13/2025<br>| &nbsp;&nbsp;Resolved-Updated 1008 provided now reflecting Audited DTI of 41.28% - Due Diligence Vendor-10/21/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.29% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.16 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5863303 |
| &nbsp;&nbsp;899957 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-47 | &nbsp;&nbsp;2025-10-13 07:36 | &nbsp;&nbsp;2025-10-19 09:04 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-10/19/2025 <br> Ready for Review-Document Uploaded. Please see uploaded PCCD - Disbursement date of xxx. - Seller-10/17/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.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. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded PCCD - Disbursement date of xxx. - Seller-10/17/2025 | &nbsp;&nbsp;Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-10/19/2025 | &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.68% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.05% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.45 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5869166 |
| &nbsp;&nbsp;994192 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1202 | &nbsp;&nbsp;2025-10-13 21:00 | &nbsp;&nbsp;2025-10-20 13:57 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;Resolved- - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Please see uploaded data verify. - Seller-10/17/2025 <br> Open-Risk Assessment does not include all the parties involved with the transaction. Updated report will need to include all parties including the settlement company/agent, appraisal company/agent, borrower(s) AKAs and mortgage representatives/company - Due Diligence Vendor-10/14/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded data verify. - Seller-10/17/2025 |  | &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.71% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.76 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 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 0.02<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.76% Is Below The Guideline Maximum Of 80% 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 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5881306 |
| &nbsp;&nbsp;638820 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1201 | &nbsp;&nbsp;2025-10-13 09:18 | &nbsp;&nbsp;2025-10-24 16:13 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;Resolved- - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Please see uploaded - Seller-10/23/2025 <br>Open-Missing Third Party Fraud Report - Risk Assessment to include all parties including the settlement company/agent, appraisal company/agent, borrower(s) AKAs and mortgage representatives/company. - Due Diligence Vendor-10/13/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded - Seller-10/23/2025<br>|  | &nbsp;&nbsp;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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.24% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.18 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.35 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 0.08<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.19 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5870273 |
| &nbsp;&nbsp;638820 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1183 | &nbsp;&nbsp;2025-10-13 07:26 | &nbsp;&nbsp;2025-10-20 13:31 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Approval Info | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Please see uploaded revised 1008. - Seller-10/18/2025 <br> Open-1008/Underwriting Summary Partially Provided Calculated DTI is not Matching With 1008 (DTI as per 1008 is 21.30 and DTI as per Tape is 45.72)<br>DTI variance appears to be due to expenses incorrectly calculated: 2nd mtg PITI xxx + xxx other debt + Prim Hm xxx + REO xxx = xxx debts / xxx = 45.718 DTI<br> 1008 only reflects debt payment of xxx versus actual xxx; - Due Diligence Vendor-10/13/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded revised 1008. - Seller-10/18/2025<br>| &nbsp;&nbsp;Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/20/2025<br>| &nbsp;&nbsp;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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.24% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.18 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.35 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 0.08<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.19 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5869079 |
| &nbsp;&nbsp;638820 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE3978 | &nbsp;&nbsp;2025-10-14 11:24 | &nbsp;&nbsp;2025-10-17 14:39 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Letter of Explanation (Credit) missing or unexecuted | &nbsp;&nbsp;Resolved-LOE regarding inquires provided. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. Please see uploaded - Seller-10/16/2025 <br>Open-Missing signed B1 LOE credit inquiries page 185-186; - Due Diligence Vendor-10/14/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded - Seller-10/16/2025<br>| &nbsp;&nbsp;Resolved-LOE regarding inquires provided. - Due Diligence Vendor-10/17/2025<br>| &nbsp;&nbsp;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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.24% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.18 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.35 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 0.08<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.19 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5887246 |
| &nbsp;&nbsp;800719 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE3978 | &nbsp;&nbsp;2025-10-14 19:47 | &nbsp;&nbsp;2025-10-24 10:24 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Letter of Explanation (Credit) missing or unexecuted | &nbsp;&nbsp;Resolved-LOE provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Missing signed B1 LOE for credit inquiries in last 90 days - credit inquiry from xxx on xxx per CBR page 208; - Due Diligence Vendor-10/14/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| &nbsp;&nbsp;Resolved-LOE provided - Due Diligence Vendor-10/24/2025<br>| &nbsp;&nbsp;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 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.35% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5895155 |
| &nbsp;&nbsp;800719 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1202 | &nbsp;&nbsp;2025-10-14 19:45 | &nbsp;&nbsp;2025-10-21 14:51 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;Resolved- - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-Risk Assessment does not include all the parties involved with the transaction. Updated report will need to include all parties including the settlement company/agent, appraisal companies/appraisers, borrower(s) AKAs and mortgage representatives/company. - Due Diligence Vendor-10/14/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/20/2025<br>|  | &nbsp;&nbsp;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 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.35% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5895146 |
| &nbsp;&nbsp;800719 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1501 | &nbsp;&nbsp;2025-10-14 19:44 | &nbsp;&nbsp;2025-10-20 08:54 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower | &nbsp;&nbsp;Borrower Identification Documentation Partially Provided | &nbsp;&nbsp;Resolved-Corrected 1003 provided - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. xxx - uploaded 1003/1008 - PC, please note that DL - xxx is correct. And since credit reports runs based on SSN# we do not have to re pull the Credit Report. - Seller-10/16/2025 <br> Open-B1's DOB on their driver's license (page 281) reflects xxx versus 1003 (page 470) and CBR (page 205) reporting xxx. - Due Diligence Vendor-10/14/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. xxx - uploaded 1003/1008 - PC, please note that DL - xxx is correct. And since credit reports runs based on SSN# we do not have to re pull the Credit Report. - Seller-10/16/2025 | &nbsp;&nbsp;Resolved-Corrected 1003 provided - Due Diligence Vendor-10/20/2025<br>| &nbsp;&nbsp;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 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.35% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5895144 |
| &nbsp;&nbsp;408431 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1202 | &nbsp;&nbsp;2025-10-14 12:49 | &nbsp;&nbsp;2025-10-14 14:46 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-10/14/2025 <br>Open-Risk Assessment does not include all the parties involved with the transaction. Updated report will need to include all parties including the settlement company/agent, appraisal company/agent, borrower(s) AKAs and mortgage representatives/company. - Due Diligence Vendor-10/14/2025 |  | &nbsp;&nbsp;Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-10/14/2025<br>| &nbsp;&nbsp;Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.86% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<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 - 8.33 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5889436 |
| &nbsp;&nbsp;411967 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;213085 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;709173 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1202 | &nbsp;&nbsp;2025-10-16 16:00 | &nbsp;&nbsp;2025-10-21 12:39 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;Resolved- - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Open-Risk Assessment does not include all the parties involved with the transaction. Updated report will need to include all parties including the settlement company/agent, appraisal companies/appraisers, borrower(s) AKAs and mortgage representatives/company. - Due Diligence Vendor-10/16/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025<br>|  | &nbsp;&nbsp;Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 11.36% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5922247 |
| &nbsp;&nbsp;284354 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;248023 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;461012 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;880054 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;557246 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;501608 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;892335 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;190104 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;422015 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;652401 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;676093 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1161 | &nbsp;&nbsp;2025-10-20 13:58 | &nbsp;&nbsp;2025-10-27 13:28 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Insurance | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. Please see uploaded Flood Certificate. - Seller-10/24/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-10/20/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded Flood Certificate. - Seller-10/24/2025<br>| &nbsp;&nbsp;Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/27/2025<br>| &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.49 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 53.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.97% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) 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 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 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 0.01 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5949135 |
| &nbsp;&nbsp;266167 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1202 | &nbsp;&nbsp;2025-10-21 21:23 | &nbsp;&nbsp;2025-10-30 12:45 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;Resolved- - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. Please see uploaded date verify. - Seller-10/29/2025 <br>Open-Updated risk report will need to include the seller, 1031 exchange title agents & company as well as all the parties involved with the transaction. - Due Diligence Vendor-10/22/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded date verify. - Seller-10/29/2025<br>|  | &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.99 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.2% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 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 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.81 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5966438 |
| &nbsp;&nbsp;361615 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;195774 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;199303 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;196394 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;488646 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;393432 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;689783 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;713449 |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM1266 | &nbsp;&nbsp;2025-10-22 16:46 | &nbsp;&nbsp;2025-10-31 09:03 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Disclosures (Federal, State, and Data Dependent) | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Apologies. Re-uploaded. - Seller-10/30/2025 <br> Counter-Documentation provided is for a different borrower/property. --- \*\*\*\*\*\*\* Please provide entire initial disclosure package for xxx. xxx - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. Please see uploaded esigned - Seller-10/27/2025 <br> Open-Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-10/23/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-10/22/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Apologies. Re-uploaded. - Seller-10/30/2025 <br>Ready for Review-Document Uploaded. Please see uploaded esigned - Seller-10/27/2025<br>| &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025<br>| &nbsp;&nbsp;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 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5978676 |
| &nbsp;&nbsp;713449 |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM5135 | &nbsp;&nbsp;2025-10-22 16:46 | &nbsp;&nbsp;2025-10-31 09:03 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Federal Disclosure | &nbsp;&nbsp;Required Affiliated Business Disclosure Missing | &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Apologies. Re-uploaded. - Seller-10/30/2025 <br> Counter-Documentation provided is for a different borrower/property. --- \*\*\*\*\*\*\* Please provide entire initial disclosure package for xxx. xxx - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Please see uploaded - Seller-10/27/2025 <br> Open-Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing - Due Diligence Vendor-10/23/2025 <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-10/22/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Apologies. Re-uploaded. - Seller-10/30/2025 <br>Ready for Review-Please see uploaded - Seller-10/27/2025<br>| &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025<br>| &nbsp;&nbsp;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 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5978677 |
| &nbsp;&nbsp;713449 |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-3652 | &nbsp;&nbsp;2025-10-23 17:02 | &nbsp;&nbsp;2025-10-31 09:03 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025 <br> Resolved- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Rescinded-NonQm - Due Diligence Vendor-10/23/2025 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-10/23/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-10/23/2025 |  | &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025 <br>Rescinded-NonQm - Due Diligence Vendor-10/23/2025<br>| &nbsp;&nbsp;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 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5996574 |
| &nbsp;&nbsp;713449 |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-3441 | &nbsp;&nbsp;2025-10-23 17:02 | &nbsp;&nbsp;2025-10-31 09:03 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;GSE (Freddie Mac public guidelines) QM Points and Fees Test | &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Rescinded-NonQm - Due Diligence Vendor-10/23/2025 <br> Open-This loan failed the QM points and fees test. (xxx Bulletin 2013-16)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to xxx. - Due Diligence Vendor-10/23/2025 |  | &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025 <br>Rescinded-NonQm - Due Diligence Vendor-10/23/2025<br>| &nbsp;&nbsp;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 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5996581 |
| &nbsp;&nbsp;713449 |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-3436 | &nbsp;&nbsp;2025-10-23 17:02 | &nbsp;&nbsp;2025-10-31 09:03 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;GSE (Fannie Mae public guidelines) QM Points and Fees Test | &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Rescinded-NonQm - Due Diligence Vendor-10/23/2025 <br> Open-This loan failed the QM points and fees test. (xxx Announcement xxx)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to xxx. - Due Diligence Vendor-10/23/2025 |  | &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025 <br>Rescinded-NonQm - Due Diligence Vendor-10/23/2025<br>| &nbsp;&nbsp;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 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5996582 |
| &nbsp;&nbsp;713449 |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-4038 | &nbsp;&nbsp;2025-10-23 17:02 | &nbsp;&nbsp;2025-10-31 09:03 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;ComplianceEase | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Rescinded-NonQm - Due Diligence Vendor-10/23/2025 <br> Open-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is xxx or more, and the transaction's total points and fees is xxx, which exceeds 3 percent of the total loan amount of xxx; orThe loan amount is less than xxx but at least xxx, and the transaction's total points and fees is xxx, which exceeds xxx; orThe loan amount is less than xxx but at least xxx, and the transaction's total points and fees is xxx, which exceeds 5 percent of the total loan amount of xxx; orThe loan amount is less than xxx but at least xxx, and the transaction's total points and fees is xxx, which exceeds xxx; orThe loan amount is less than xxx and the transaction's total points and fees is xxx, which exceeds 8 percent of the total loan amount of xxx. - Due Diligence Vendor-10/23/2025 |  | &nbsp;&nbsp;Resolved-Complete initial disclosure package provided, thank you - Due Diligence Vendor-10/31/2025 <br>Rescinded-NonQm - Due Diligence Vendor-10/23/2025<br>| &nbsp;&nbsp;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 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5996580 |
| &nbsp;&nbsp;500682 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;989673 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;601673 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;871557 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;188470 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;881423 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;817326 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1469 | &nbsp;&nbsp;2025-10-24 03:24 | &nbsp;&nbsp;2025-10-28 14:19 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Assets | &nbsp;&nbsp;Asset 3 Missing | &nbsp;&nbsp;Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/27/2025 <br> Open-Asset 3 Missing xxx xxx Asset Document missing in file.<br> Cash Value - xxx<br> - Due Diligence Vendor-10/24/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/27/2025<br>| &nbsp;&nbsp;Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-10/28/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.92% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.38 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 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6000477 |
| &nbsp;&nbsp;390086 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;853834 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;416919 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;963360 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;784169 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;355267 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;379760 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;709372 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;693461 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FPRO1137 | &nbsp;&nbsp;2025-10-24 00:51 | &nbsp;&nbsp;2025-10-29 10:40 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;The appraiser was not licensed (Primary Value) | &nbsp;&nbsp;Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-10/24/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| &nbsp;&nbsp;Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-10/29/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.97% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.58% Is Below The Guideline Maximum Of 70% 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 660 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<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 - 6.78 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;5999833 |
| &nbsp;&nbsp;718368 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;492098 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;453120 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;898326 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;345390 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;568147 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;424118 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;222940 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;941351 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;480443 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;203989 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;333448 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;151916 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE6019 | &nbsp;&nbsp;2025-10-24 04:13 | &nbsp;&nbsp;2025-10-28 14:14 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Borrower 1 Citizenship Documentation Not Provided | &nbsp;&nbsp;Resolved-USA Patriot Act Form provided - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/27/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-10/24/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/27/2025<br>| &nbsp;&nbsp;Resolved-USA Patriot Act Form provided - Due Diligence Vendor-10/28/2025<br>| &nbsp;&nbsp;Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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<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 - 23.13 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.12 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.13% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6000639 |
| &nbsp;&nbsp;605142 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;693840 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;201412 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;751667 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1161 | &nbsp;&nbsp;2025-10-27 10:36 | &nbsp;&nbsp;2025-10-29 14:41 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Insurance | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. Please see uploaded Flood Cert. - Seller-10/28/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-10/27/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded Flood Cert. - Seller-10/28/2025<br>| &nbsp;&nbsp;Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/29/2025<br>| &nbsp;&nbsp;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 - 20.81 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.80 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.04% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6021096 |
| &nbsp;&nbsp;397852 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;496315 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;545991 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;224791 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;865462 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;892086 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;898332 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;126832 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;913375 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;295121 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1252 | &nbsp;&nbsp;2025-10-30 12:52 | &nbsp;&nbsp;2025-11-03 14:11 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Title | &nbsp;&nbsp;Title Document is Incomplete | &nbsp;&nbsp;Resolved-Title Document is Provided And Complete - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Open-Title Document is Incomplete Missing a complete and acceptable title commitment, including all schedules, a 24-month chain of title, and verification of real estate taxes paid and/or due, along with any listed acceptable exclusions. - Due Diligence Vendor-10/30/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| &nbsp;&nbsp;Resolved-Title Document is Provided And Complete - Due Diligence Vendor-11/03/2025<br>| &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.17 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 0.09 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6071027 |
| &nbsp;&nbsp;295121 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1202 | &nbsp;&nbsp;2025-10-30 23:10 | &nbsp;&nbsp;2025-11-03 14:10 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;Resolved- - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Open-Risk Report - Risk Assessment does not include all the parties involved with the transaction. Updated report will need to include all parties including the seller, settlement company/agent, appraisal companies/appraisers, borrower(s) AKAs and mortgage representatives/company. - Due Diligence Vendor-10/31/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/31/2025<br>|  | &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.17 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 0.09 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6077437 |
| &nbsp;&nbsp;817439 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;518986 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;530854 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE6737 | &nbsp;&nbsp;2025-10-28 20:51 | &nbsp;&nbsp;2025-11-24 16:25 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Letter of Explanation (Income) missing or unexecuted | &nbsp;&nbsp;Resolved-Lender provided LOE - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/24/2025 <br> Open-Missing signed and dated LOE from Tax Preparer confirming whether xxx (page 371), listed on the 1003 as B1's business, is the same entity as xxx. Additional conditions may apply based on the Tax Preparer's response. - Due Diligence Vendor-10/29/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| &nbsp;&nbsp;Resolved-Lender provided LOE - Due Diligence Vendor-11/24/2025<br>| &nbsp;&nbsp;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 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.4% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.45 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6045984 |
| &nbsp;&nbsp;530854 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1167 | &nbsp;&nbsp;2025-10-28 11:23 | &nbsp;&nbsp;2025-10-31 12:09 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | &nbsp;&nbsp;Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-10/28/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| &nbsp;&nbsp;Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-10/31/2025 | &nbsp;&nbsp;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 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.4% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.45 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6036858 |
| &nbsp;&nbsp;630371 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1813 | &nbsp;&nbsp;2025-10-28 15:09 | &nbsp;&nbsp;2025-10-30 14:24 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Business Overview Incomplete | &nbsp;&nbsp;Resolved-Business License provided - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Business License provided gives no expiration date and no effective date - Page 150; - Due Diligence Vendor-10/28/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| &nbsp;&nbsp;Resolved-Business License provided - Due Diligence Vendor-10/30/2025<br>| &nbsp;&nbsp;Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.71% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.31% 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 132.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 41.56 Years<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 - 41.57 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6042285 |
| &nbsp;&nbsp;418408 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;862364 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;460362 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1167 | &nbsp;&nbsp;2025-10-28 15:23 | &nbsp;&nbsp;2025-11-03 10:07 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | &nbsp;&nbsp;Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. Please see attached copy of the RCE. Thank you. - Seller-10/30/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-10/28/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see attached copy of the RCE. Thank you. - Seller-10/30/2025<br>| &nbsp;&nbsp;Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-11/03/2025<br>| &nbsp;&nbsp;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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.67% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.46 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 0.01<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.3% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6042556 |
| &nbsp;&nbsp;842992 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;114796 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;913951 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;376036 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;989494 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1202 | &nbsp;&nbsp;2025-10-28 22:02 | &nbsp;&nbsp;2025-10-31 11:45 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;Resolved- - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Open-Risk Assessment report is incomplete — it does not include all parties involved in the transaction. An updated report must be provided reflecting all participating parties. - Due Diligence Vendor-10/29/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-10/29/2025<br>|  | &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.88 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 8.05 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 0.06<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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.95% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6046480 |
| &nbsp;&nbsp;648487 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;949511 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;968913 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;659989 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;644625 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;885446 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;777442 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;355981 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;312288 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE7497 | &nbsp;&nbsp;2025-10-30 21:04 | &nbsp;&nbsp;2025-11-04 12:29 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;Resolved-Updated 1008 provided. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Please note that taxes were recalculated and updated to the system:<br>Purchase price X 1.635% + Special assessments xxx / 12 - Seller-11/03/2025 <br> Open-Property atxxx- unable to verify the amount of taxes used for for property- causing DTI variance - Due Diligence Vendor-10/31/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please note that taxes were recalculated and updated to the system:<br>Purchase price X 1.635% + Special assessments xxx / 12 - Seller-11/03/2025 | &nbsp;&nbsp;Resolved-Updated 1008 provided. - Due Diligence Vendor-11/04/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.96 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 - 6.35 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 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6077237 |
| &nbsp;&nbsp;710674 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;705174 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;492840 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;279074 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;162374 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;753387 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;608713 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;251786 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;759787 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;988493 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-3634 | &nbsp;&nbsp;2025-10-31 01:05 | &nbsp;&nbsp;2025-11-13 11:54 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID Tolerance | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;Resolved-PCCD showing partial credit charge as Paid by other, received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025 <br> Resolved- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-\*\*\*The Final CD indicates the final amount for the credit report increased to xxx. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-11/03/2025 <br> Open- - Due Diligence Vendor-11/03/2025 <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). The loan failed charges that cannot increase failure with the variance xxx, credit report fee got increased in the FCD xxx there is no corresponding COC nor cure of xxx addressing the change. - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| &nbsp;&nbsp;Resolved-PCCD showing partial credit charge as Paid by other, received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.19% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 6.80 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 0.1 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6077699 |
| &nbsp;&nbsp;988493 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-3631 | &nbsp;&nbsp;2025-10-31 01:05 | &nbsp;&nbsp;2025-11-13 11:54 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;Reimbursement Amount Validation Test | &nbsp;&nbsp;Resolved-PCCD showing partial credit charge as Paid by other, received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025 <br> Resolved- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-\*\*\*The Final CD indicates the final amount for the credit report increased to xxx. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-11/03/2025 <br> Open- - Due Diligence Vendor-11/03/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <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-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| &nbsp;&nbsp;Resolved-PCCD showing partial credit charge as Paid by other, received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.19% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 6.80 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 0.1 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6077700 |
| &nbsp;&nbsp;988493 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-3632 | &nbsp;&nbsp;2025-10-31 01:05 | &nbsp;&nbsp;2025-11-13 11:54 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Disclosures (Federal, State, and Data Dependent) | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;Resolved-PCCD showing partial credit charge as Paid by other, received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025 <br> Resolved- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-\*\*\*The Final CD indicates the final amount for the credit report increased to xxx. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-11/03/2025 <br> Open- - Due Diligence Vendor-11/03/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <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-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| &nbsp;&nbsp;Resolved-PCCD showing partial credit charge as Paid by other, received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.19% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 6.80 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 0.1 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6077701 |
| &nbsp;&nbsp;977869 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;730016 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;578743 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;473171 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;181655 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FPRO1244 | &nbsp;&nbsp;2025-11-03 07:52 | &nbsp;&nbsp;2025-11-06 14:23 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing Doc - Third Party Valuation | &nbsp;&nbsp;3rd Party Valuation Product is Required and Missing | &nbsp;&nbsp;Resolved-UCDP "CU & LCA" provided - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Counter-Missing the UCDP/CU score - the 4 documents provided are for the LCA - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please note that per guidelines CDA is required if both CU and LCA Scores are higher of 2.5, our SSR xxx and xxx are reflecting risk score of 1 - Seller-11/05/2025 <br> Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-11/03/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Ready for Review-Document Uploaded. Please note that per guidelines CDA is required if both CU and LCA Scores are higher of 2.5, our SSR xxx and xxx are reflecting risk score of 1 - Seller-11/05/2025 | &nbsp;&nbsp;Resolved-UCDP "CU & LCA" provided - Due Diligence Vendor-11/06/2025<br>| &nbsp;&nbsp;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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6095616 |
| &nbsp;&nbsp;181655 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FPRO1242 | &nbsp;&nbsp;2025-10-31 04:57 | &nbsp;&nbsp;2025-11-06 14:22 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing Doc - Appraisal | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;Resolved-Appraisal has been provided - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. Uploaded appraisal report - Seller-11/05/2025 <br>Open-Appraisal is Missing in the file - Due Diligence Vendor-10/31/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Uploaded appraisal report - Seller-11/05/2025<br>| &nbsp;&nbsp;Resolved-Appraisal has been provided - Due Diligence Vendor-11/05/2025<br>| &nbsp;&nbsp;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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6078606 |
| &nbsp;&nbsp;442436 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;480042 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;803972 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;791155 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;908480 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE4293 | &nbsp;&nbsp;2025-11-03 14:54 | &nbsp;&nbsp;2025-11-04 12:32 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;File does not contain all required Asset Statement(s) | &nbsp;&nbsp;Resolved-Gift Letter provided. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Please see page 56 on loan package. Also, I uploaded the gift letter. - Seller-11/03/2025 <br> Open-Missing fully executed Gift Letter for the xxx gift funds provided by relative xxx. - Due Diligence Vendor-11/03/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see page 56 on loan package. Also, I uploaded the gift letter. - Seller-11/03/2025<br>| &nbsp;&nbsp;Resolved-Gift Letter provided. - Due Diligence Vendor-11/04/2025<br>| &nbsp;&nbsp;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 - 11.14 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.11 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 0.07<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<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.50 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6104612 |
| &nbsp;&nbsp;908480 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1159 | &nbsp;&nbsp;2025-10-31 09:28 | &nbsp;&nbsp;2025-11-04 12:31 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Please see page 267 on loan package, the updated HOI, It shows xxx for the effective date. Also, I uploaded the HOI. - Seller-11/03/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Updated HOI policy required — the current Hazard Insurance effective date of xxx is after the disbursement (Note) date of xxx. - Due Diligence Vendor-10/31/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see page 267 on loan package, the updated HOI, It shows xxx for the effective date. Also, I uploaded the HOI. - Seller-11/03/2025 | &nbsp;&nbsp;Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/04/2025 | &nbsp;&nbsp;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 - 11.14 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.11 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 0.07<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<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.50 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6080717 |
| &nbsp;&nbsp;602068 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1159 | &nbsp;&nbsp;2025-11-04 04:41 | &nbsp;&nbsp;2025-11-06 10:32 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Please see uploaded revised Binder. - Seller-11/05/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-11/04/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded revised Binder. - Seller-11/05/2025<br>| &nbsp;&nbsp;Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/06/2025 | &nbsp;&nbsp;Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.23 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.84 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 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.92% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6110119 |
| &nbsp;&nbsp;793900 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;470419 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;751810 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1198 | &nbsp;&nbsp;2025-11-03 23:36 | &nbsp;&nbsp;2025-11-06 12:08 | &nbsp;&nbsp;Waived | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: exception provided short reserves - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-11/06/2025 <br> Counter-Document Uploaded. At the time of closing, the xxx account dated xxx available funds were xxx vs Lenders Final 1003 of xxx - the FTC iao xxx listed on the PCCD & wire documentation page 70 is dated xxx - Missing proof of available funds to support thexxx listed on the Final 1003. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please refer to the uploaded PCCD. Fund to close - xxx CTC - xxx/ The total verified assets - xxx (xxx) - Seller-11/04/2025 <br> Open-Audited Reserves of 2.3 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-11/04/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-11/06/2025 <br> Ready for Review-Document Uploaded. Please refer to the uploaded PCCD. Fund to close - xxx. CTC - xxx/ The total verified assets - xxx (xxx) - Seller-11/04/2025 | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: exception provided short reserves - Due Diligence Vendor-11/06/2025<br>| &nbsp;&nbsp;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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.97% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.98% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 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 | &nbsp;&nbsp;Great credit score<br> Low LTV | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;Yes | &nbsp;&nbsp;6109073 |
| &nbsp;&nbsp;245289 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;992808 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;619545 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;557557 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;481350 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM9610 | &nbsp;&nbsp;2025-11-04 17:42 | &nbsp;&nbsp;2025-11-05 12:30 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Power of Attorney missing or unexecuted | &nbsp;&nbsp;Resolved-Signed and Notarized POA provided. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. Please see uploaded POA. - Seller-11/04/2025 <br>Open-\*\* Copy of POA has not been provided - Due Diligence Vendor-11/04/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded POA. - Seller-11/04/2025<br>| &nbsp;&nbsp;Resolved-Signed and Notarized POA provided. - Due Diligence Vendor-11/05/2025<br>| &nbsp;&nbsp;Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - VALIDATED Months Reserves Of 28.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6125725 |
| &nbsp;&nbsp;481350 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1161 | &nbsp;&nbsp;2025-11-03 00:23 | &nbsp;&nbsp;2025-11-05 12:29 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Insurance | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. Please see uploaded floo0d cert - Seller-11/04/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-11/03/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded floo0d cert - Seller-11/04/2025<br>| &nbsp;&nbsp;Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/05/2025<br>| &nbsp;&nbsp;Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - VALIDATED Months Reserves Of 28.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6093369 |
| &nbsp;&nbsp;481350 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1167 | &nbsp;&nbsp;2025-11-03 00:23 | &nbsp;&nbsp;2025-11-05 12:29 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | &nbsp;&nbsp;Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Please see page 259 on loan package. - Seller-11/04/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-11/03/2025 | &nbsp;&nbsp;Ready for Review-Please see page 259 on loan package. - Seller-11/04/2025<br>| &nbsp;&nbsp;Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-11/05/2025<br>| &nbsp;&nbsp;Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - VALIDATED Months Reserves Of 28.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6093370 |
| &nbsp;&nbsp;387606 |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM1621 | &nbsp;&nbsp;2025-11-03 14:51 | &nbsp;&nbsp;2025-11-05 08:12 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Federal Disclosure | &nbsp;&nbsp;Initial Escrow Account Disclosure is Missing | &nbsp;&nbsp;Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-11/04/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| &nbsp;&nbsp;Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-11/05/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.45 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> 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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6104541 |
| &nbsp;&nbsp;931650 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1157 | &nbsp;&nbsp;2025-11-04 06:44 | &nbsp;&nbsp;2025-11-05 12:40 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Insurance | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Missing Hazard Insurance Policy in the file - Due Diligence Vendor-11/04/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| &nbsp;&nbsp;Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/05/2025<br>| &nbsp;&nbsp;Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.27 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.32 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 0.05<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 - 11.28 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 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.15% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6110788 |
| &nbsp;&nbsp;449866 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;714399 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1198 | &nbsp;&nbsp;2025-11-04 07:22 | &nbsp;&nbsp;2025-11-06 12:10 | &nbsp;&nbsp;Waived | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided shorting 0.36 months reserves. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Please see uploaded exception - Seller-11/06/2025 <br> Counter-Audited Assets xxx / CTC per PCCD is xxx with xxx back to bwr totaling xxx needed for closing / 6 month reserves total xxx / Funds available after closing total xxx - Assets/Reserves are short by - xxx - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please see uploaded PCCD - Seller-11/04/2025 <br> Open-Audited Reserves of 5.64 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-11/04/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded exception - Seller-11/06/2025 <br>Ready for Review-Document Uploaded. Please see uploaded PCCD - Seller-11/04/2025<br>| &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided shorting 0.36 months reserves. - Due Diligence Vendor-11/06/2025<br>| &nbsp;&nbsp;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 - 10.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 32.00 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 0.2<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | &nbsp;&nbsp;Good credit score<br> Low DTI (6%) | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;Yes | &nbsp;&nbsp;6111086 |
| &nbsp;&nbsp;714399 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FPRO1245 | &nbsp;&nbsp;2025-11-04 06:19 | &nbsp;&nbsp;2025-11-05 11:03 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. Please see uploaded 1004D recertification. - Seller-11/04/2025 <br>Open-Primary Value Appraisal is Expired - Due Diligence Vendor-11/04/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded 1004D recertification. - Seller-11/04/2025<br>| &nbsp;&nbsp;Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-11/05/2025<br>| &nbsp;&nbsp;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 - 10.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 32.00 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 0.2<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6110607 |
| &nbsp;&nbsp;574473 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;848493 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1326 | &nbsp;&nbsp;2025-11-03 20:05 | &nbsp;&nbsp;2025-11-06 11:26 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Income | &nbsp;&nbsp;Borrower 1 YTD Profit & Loss Missing | &nbsp;&nbsp;Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. Please see uploaded. - Seller-11/05/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing - Due Diligence Vendor-11/04/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded. - Seller-11/05/2025<br>| &nbsp;&nbsp;Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-11/06/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.19% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.04 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 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.12 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6107724 |
| &nbsp;&nbsp;848493 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM1227 | &nbsp;&nbsp;2025-11-03 19:50 | &nbsp;&nbsp;2025-11-06 09:09 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Closing Package | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;Resolved-Development common areas are under condo ownership - Condo is the correct rider. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Per DOT, only the condominium rider was ticked. - Seller-11/05/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-11/04/2025 | &nbsp;&nbsp;Ready for Review-Per DOT, only the condominium rider was ticked. - Seller-11/05/2025<br>| &nbsp;&nbsp;Resolved-Development common areas are under condo ownership - Condo is the correct rider. - Due Diligence Vendor-11/06/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.19% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.04 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 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.12 Years |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6107642 |
| &nbsp;&nbsp;126823 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;863872 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;675851 |  | &nbsp;&nbsp; &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1182 | &nbsp;&nbsp;2025-11-05 00:02 | &nbsp;&nbsp;2025-11-09 08:26 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Approval Info | &nbsp;&nbsp;Underwriting Summary Not Provided | &nbsp;&nbsp;Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/09/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Counter-Document Uploaded. Apologies for the confusion, The Lenders 1008 located on page 2 is for Property located xxx vs the Subject Loan xxx. Provided 1008 that belongs to the subject loan/borrower - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Please refer to page 2 (1008) of the loan package, also attached. Thank you. - Seller-11/06/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/05/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-11/07/2025 <br>Ready for Review-Document Uploaded. Please refer to page 2 (1008) of the loan package, also attached. Thank you. - Seller-11/06/2025<br>| &nbsp;&nbsp;Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/09/2025<br>| &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.98% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) 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 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6127309 |
| &nbsp;&nbsp;766112 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;274297 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1193 | &nbsp;&nbsp;2025-11-05 16:30 | &nbsp;&nbsp;2025-11-07 07:52 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;Resolved-Audited DTI of 48.95% is less than or equal to Guideline DTI of 49% - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. We have used the lower monthly rent based on xxx. Please see uploaded. - Seller-11/07/2025 <br> Open-Audited DTI of 54.46% exceeds Guideline DTI of 49% Audit DTI exceeds program maximum. GL max dti = 49%, audit = 54.46%. Base & OT pay match lender's calculation. Rental income w/variance. Leases in file reflect:<br> - xxx vs 1003 of xxx. Piti xxx <br> - xxx vs 1003 of xxx Piti xxx <br> - xxx vs 1003 of xxx Piti xxx<br> - total rent loss of xxx vs 1003 rent loss xxx - Due Diligence Vendor-11/05/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. We have used the lower monthly rent based on xxx. Please see uploaded. - Seller-11/07/2025 | &nbsp;&nbsp;Resolved-Audited DTI of 48.95% is less than or equal to Guideline DTI of 49% - Due Diligence Vendor-11/07/2025<br>| &nbsp;&nbsp;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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.93% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 53.93% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Borrower At Current Residence For Five (5) Or More Years - 13.00 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6145284 |
| &nbsp;&nbsp;898461 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;799594 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;699613 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;626042 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;236433 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;534700 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;382198 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;587416 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;455515 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;190301 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;230519 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;641541 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1198 | &nbsp;&nbsp;2025-11-05 04:27 | &nbsp;&nbsp;2025-11-09 08:14 | &nbsp;&nbsp;Waived | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided short reserves of 2 months - Due Diligence Vendor-11/09/2025 <br> Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-11/07/2025 <br> Counter-Audited Assets xxx / CTC xxx / Remaining funds after closing xxx / 6 months reserves = xxx / Reserves are short by - xxx / Audited reserves are 4.07 - Due Diligence Vendor-11/07/2025 <br> Ready for Review- xxx - xxx<br> EMD - xxx<br> Total Verified Assets - xxx<br>CTC - xxx<br> PITI - xxx x 6 = xxx<br> Total Required Assets - xxx - Seller-11/07/2025 <br> Open-Audited Reserves of 4.07 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-11/06/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-11/07/2025 <br> Ready for Review-xxx - xxx<br> EMD - xxx<br> Total Verified Assets - xxx<br>CTC - xxx<br> PITI - xxx x 6 = xxx<br> Total Required Assets - xxx - Seller-11/07/2025 | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided short reserves of 2 months - Due Diligence Vendor-11/09/2025<br>| &nbsp;&nbsp;Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.74% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.84 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.83 Years | &nbsp;&nbsp;Low DTI (22%)<br> Borrower has Mortgage history with no late payment | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;Yes | &nbsp;&nbsp;6128476 |
| &nbsp;&nbsp;167711 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;803360 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1193 | &nbsp;&nbsp;2025-11-07 04:35 | &nbsp;&nbsp;2025-11-13 14:49 | &nbsp;&nbsp;Waived | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided exceeds guideline DTI of 50% (0.24) - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-11/13/2025 <br> Open-Audited DTI of 50.24% exceeds Guideline DTI of 50% - Due Diligence Vendor-11/07/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-11/13/2025<br>| &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided exceeds guideline DTI of 50% (0.24) - Due Diligence Vendor-11/13/2025<br>| &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | &nbsp;&nbsp;Low LTV | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;Yes | &nbsp;&nbsp;6166700 |
| &nbsp;&nbsp;138359 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;595403 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;512427 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;281987 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-3719 | &nbsp;&nbsp;2025-11-08 14:59 | &nbsp;&nbsp;2025-12-17 08:46 | &nbsp;&nbsp;Cured | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID Tolerance | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;Cured-Restitution for Finance charge violation, has been provided - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Counter-Document Uploaded. Document Uploaded. Please see attached - the "title update" charge is not included in finance charge testing or variance. --- It appears a Restitution check in the amount of xxx is required - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Please note that we do not agree that the xxx in grey "10 Title - Title Update to xxx, xxx & xxx xxx" is a prepaid finance charge. - Seller-12/03/2025 <br> Counter-\*\*\*Received lender's explanation. The explanation alone does not resolve. Lender's notes confirm they agree that the Title Buyer/Borrower Post Closing fee of xxx and the Title Recording Service fee of xxx are PFC fees. However, as evidenced in the Loan Detail Report in the original file, these fees were not included in the lender's finance charge calculations disclosed in the Final Closing Disclosure, which in addition to the xxx, it is under disclosed by an additional xxx leading to the total under disclosure of xxx which exceeds the xxx threshold. Lender to advise if they will be providing a cure. - Due Diligence Vendor-11/19/2025 <br> Counter-\*\*\*Received PCCD issued xxx reflecting a change to the Finance Charge calculations. The PCCD alone does not resolve the finding. Lender to confirm if a cure is being issued and if so, then lender needs to provide the LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Open-\*\*The disclosed finance charge was understated by xxx. In review of the lender's Loan Detail Report, part of the understatement can be attributed to the lender not including the Title Buyer/Borrower post Closing fee and the Title Recording Service fee in their finance charge calculations. - Due Diligence Vendor-11/08/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than $100 - Due Diligence Vendor-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Ready for Review-Please note that we do not agree that the xxx in grey "10 Title - Title Update to xxx, xxx & xxx" is a prepaid finance charge. - Seller-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 | &nbsp;&nbsp;Cured-Restitution for Finance charge violation, has been provided - Due Diligence Vendor-12/17/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 41.42% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6184204 |
| &nbsp;&nbsp;281987 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-651 | &nbsp;&nbsp;2025-11-07 16:00 | &nbsp;&nbsp;2025-12-17 08:46 | &nbsp;&nbsp;Cured | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;Cured-Restitution for Finance charge violation, has been provided - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Counter-Document Uploaded. Please see attached - the "title update" charge is not included in finance charge testing or variance. --- It appears a Restitution check in the amount of xxx is required - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Please note that we do not agree that the xxx in grey "10 Title - Title Update to xxx, xxx & xxx" is a prepaid finance charge. - Seller-12/03/2025 <br> Counter-\*\*\*Received lender's explanation. The explanation alone does not resolve. Lender's notes confirm they agree that the Title Buyer/Borrower Post Closing fee of xxx and the Title Recording Service fee of xxx are PFC fees. However, as evidenced in the Loan Detail Report in the original file, these fees were not included in the lender's finance charge calculations disclosed in the Final Closing Disclosure, which in addition to the xxx, it is under disclosed by an additional xxx leading to the total under disclosure of xxx which exceeds the xxx threshold. Lender to advise if they will be providing a cure. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Counter-\*\*\*Received PCCD issued xxx reflecting a change to the Finance Charge calculations. The PCCD alone does not resolve the finding. Lender to confirm if a cure is being issued and if so, then lender needs to provide the LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Open-\*\*The disclosed finance charge was understated by xxx. In review of the lender's Loan Detail Report, part of the understatement can be attributed to the lender not including the Title Buyer/Borrower post Closing fee and the Title Recording Service fee in their finance charge calculations. - Due Diligence Vendor-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 <br> Open- - Due Diligence Vendor-11/08/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Ready for Review-Please note that we do not agree that the xxx in grey "10 Title - Title Update to xxx, xxx &xxx" is a prepaid finance charge. - Seller-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 | &nbsp;&nbsp;Cured-Restitution for Finance charge violation, has been provided - Due Diligence Vendor-12/17/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 41.42% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6178673 |
| &nbsp;&nbsp;986776 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;163112 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-47 | &nbsp;&nbsp;2025-11-07 16:19 | &nbsp;&nbsp;2025-12-15 08:11 | &nbsp;&nbsp;Cured | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;Cured-Remediated: Re-opened, executed right of rescission and refund of prematurely funded interest, has been provided. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Uploaded refund documents - Seller-12/12/2025 <br> Counter-Re-opened, executed right of rescission for remediation of funding the loan prior to the expiration of the Right to Cancel period, has been provided, thank you. However, any interest charged as a result of the premature funding must be reimbursed as part of the remediation process. Interest refund in the amount of xxx is required. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Uploaded revised ROR - Seller-11/28/2025 <br> Counter-\*\*\*\*\*\*\* Borrower executed documents on xxx.Please provide Post Consummation Closing Disclosure funding after Rescission period. xxx = day 3, cannot fund or charge interest prior to xxx. after the ROR period has passed. Thank you - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Please note that the loan closed xxx however due to the recission the disbursement date have to be on xxx. - Seller-11/12/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.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. Disbursement and cancel date is prior to 3rd business day(excluding Saturday and Sunday) after consummation. loan closed xxx<br> - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/08/2025 <br> Open- - Due Diligence Vendor-11/07/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Uploaded refund documents - Seller-12/12/2025 <br> Ready for Review-Document Uploaded. Uploaded revised ROR - Seller-11/28/2025 <br> Ready for Review-Document Uploaded. Please note that the loan closed xxx however due to the recission the disbursement date have to be on xxx. - Seller-11/12/2025 | &nbsp;&nbsp;Cured-Remediated: Re-opened, executed right of rescission and refund of prematurely funded interest, has been provided. - Due Diligence Vendor-12/15/2025<br>| &nbsp;&nbsp;Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 116.92 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 39.08% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<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 - 25.83 Years<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 - 25.83 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6178960 |
| &nbsp;&nbsp;163112 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE3978 | &nbsp;&nbsp;2025-11-08 16:41 | &nbsp;&nbsp;2025-11-20 14:31 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Letter of Explanation (Credit) missing or unexecuted | &nbsp;&nbsp;Resolved-Credit Inquiry provided. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Uploaded LOE Inquiries - Seller-11/19/2025 <br> Open-Missing B1's signed & dated LOE for credit inquiries in laset 90 days (xxx credit inquiry date xxx to CBR date xxx = 89 days). - Due Diligence Vendor-11/08/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Uploaded LOE Inquiries - Seller-11/19/2025<br>| &nbsp;&nbsp;Resolved-Credit Inquiry provided. - Due Diligence Vendor-11/20/2025<br>| &nbsp;&nbsp;Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 116.92 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 39.08% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<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 - 25.83 Years<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 - 25.83 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6184412 |
| &nbsp;&nbsp;152702 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;342929 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;890021 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;983029 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1815 | &nbsp;&nbsp;2025-11-08 23:26 | &nbsp;&nbsp;2025-11-11 14:27 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | &nbsp;&nbsp;Resolved-Business Entity documents provided - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Please see uploaded. - Seller-11/10/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing xxx documentation:<br> 1) Operating Agreement reflecting member ownership, <br> 2) Certificate of Status, <br> 3) Articles of Organization,<br> 4) Member Resolution or Authorization to purchase xxx;<br> - Due Diligence Vendor-11/09/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded. - Seller-11/10/2025<br>| &nbsp;&nbsp;Resolved-Business Entity documents provided - Due Diligence Vendor-11/11/2025<br>| &nbsp;&nbsp;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<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 - 9.60 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75 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 0.08<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.08 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6185065 |
| &nbsp;&nbsp;830929 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;246264 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;799820 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;129748 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;671122 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;723324 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;883573 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FVAL2477 | &nbsp;&nbsp;2025-11-11 15:55 | &nbsp;&nbsp;2025-11-14 14:40 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;Appraisal incomplete (missing map, layout, pages, etc.) | &nbsp;&nbsp;Resolved- - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Open-Missing Appraiser's E&O Insurance current as of the appraisal report xxx. - Due Diligence Vendor-11/11/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-11/14/2025<br>|  | &nbsp;&nbsp;Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.84 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 32.14% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.67 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6214068 |
| &nbsp;&nbsp;770133 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;859133 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1176 | &nbsp;&nbsp;2025-11-12 01:50 | &nbsp;&nbsp;2025-11-13 14:58 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;Resolved-PCCD disbursement date is xxx - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Rebuttal/Comment: Please refer to CD - Post Consummation with Disbursement dated xxx - Seller-11/13/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-11/12/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Rebuttal/Comment: Please refer to CD - Post Consummation with Disbursement dated xxx - Seller-11/13/2025 | &nbsp;&nbsp;Resolved-PCCD disbursement date is xxx - Due Diligence Vendor-11/13/2025 | &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.5% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6218631 |
| &nbsp;&nbsp;880166 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1175 | &nbsp;&nbsp;2025-11-12 03:58 | &nbsp;&nbsp;2025-11-17 11:53 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Named Insured on HO6 Master Policy does not match HOA Name | &nbsp;&nbsp;Resolved- - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. The insured in master policy is the HOA Assocation, Insured in HO6 is the borrower is matched. Please see attached master binder. - Seller-11/14/2025 <br> Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Updated HOA Master Policy as a portion of the Policy is illegible - xxx reported on HOA master Insurance policy. - Due Diligence Vendor-11/13/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. The insured in master policy is the HOA Assocation, Insured in HO6 is the borrower is matched. Please see attached master binder. - Seller-11/14/2025<br>|  | &nbsp;&nbsp;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 - 9.25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.54% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.54 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 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6219055 |
| &nbsp;&nbsp;282263 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;147882 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;216911 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;954670 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1202 | &nbsp;&nbsp;2025-11-18 12:20 | &nbsp;&nbsp;2025-11-18 14:22 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/18/2025 <br>Open-Risk Assessment does not include all the parties involved with the transaction. Updated report will need to include all parties including the seller(s), settlement company/agent, appraisal company/agent, borrower(s) AKAs and mortgage representatives/company; - Due Diligence Vendor-11/18/2025 |  | &nbsp;&nbsp;Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/18/2025<br>| &nbsp;&nbsp;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 - 8.15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.25% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) 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 660 By Twenty (20) or More Points |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6290840 |
| &nbsp;&nbsp;647258 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;463209 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM1291 | &nbsp;&nbsp;2025-11-18 02:21 | &nbsp;&nbsp;2025-12-09 10:57 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | &nbsp;&nbsp;Resolved-Correct form provided - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Please see uploaded the correct form - Seller-12/08/2025 <br>Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). - Due Diligence Vendor-11/18/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded the correct form - Seller-12/08/2025<br>| &nbsp;&nbsp;Resolved-Correct form provided - Due Diligence Vendor-12/09/2025<br>| &nbsp;&nbsp;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 0.22<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 - 20.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.46% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.28% Is Below The Guideline Maximum Of 75% 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 680 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6284051 |
| &nbsp;&nbsp;463209 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1202 | &nbsp;&nbsp;2025-11-18 14:10 | &nbsp;&nbsp;2025-11-21 11:34 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;Resolved-Fraud report provided. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see uploaded updated data verify. - Seller-11/20/2025 <br>Open-Risk Assessment does not include all the parties involved with the transaction. Updated report will need to include all parties including the settlement company/agent, appraisal company/agent, borrower(s) AKAs and mortgage representatives/company; - Due Diligence Vendor-11/18/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded updated data verify. - Seller-11/20/2025<br>| &nbsp;&nbsp;Resolved-Fraud report provided. - Due Diligence Vendor-11/21/2025<br>| &nbsp;&nbsp;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 0.22<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 - 20.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.46% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.28% Is Below The Guideline Maximum Of 75% 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 680 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6293042 |
| &nbsp;&nbsp;663466 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;633897 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;273084 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;246011 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;884977 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;763463 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1198 | &nbsp;&nbsp;2025-11-21 07:05 | &nbsp;&nbsp;2025-11-25 09:40 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;Resolved-Audited Reserves of 6.13 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Please note that additional funds from borrower was sent in the amount of xxx, attached is copy of the wire notification. - Seller-11/24/2025 <br> Open-Audited Reserves of 4.73 are less than Guideline Required Reserves of 6 Verified assets in file with final 1003 and 1008. Short on reserves. - Due Diligence Vendor-11/21/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please note that additional funds from borrower was sent in the amount of xxx, attached is copy of the wire notification. - Seller-11/24/2025 | &nbsp;&nbsp;Resolved-Audited Reserves of 6.13 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-11/25/2025<br>| &nbsp;&nbsp;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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.11% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6337419 |
| &nbsp;&nbsp;957627 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;597214 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM1233 | &nbsp;&nbsp;2025-11-20 23:01 | &nbsp;&nbsp;2025-11-28 13:38 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Closing Package | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;Resolved-The Final 1003 is Present - Due Diligence Vendor-11/28/2025 <br>Ready for Review-Document Uploaded. Uploaded revised 1003 - Seller-11/21/2025 <br>Open-The Final 1003 is Incomplete Borrower 2 Final 1003 declaration section was incomplete. - Due Diligence Vendor-11/21/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Uploaded revised 1003 - Seller-11/21/2025<br>| &nbsp;&nbsp;Resolved-The Final 1003 is Present - Due Diligence Vendor-11/28/2025<br>| &nbsp;&nbsp;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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.29% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.53 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.08 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 0.09 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6335093 |
| &nbsp;&nbsp;711296 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;729231 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;452278 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;735726 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;252377 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;853586 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE6737 | &nbsp;&nbsp;2025-11-25 14:02 | &nbsp;&nbsp;2025-11-28 18:16 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Letter of Explanation (Income) missing or unexecuted | &nbsp;&nbsp;Resolved-Lender resent LOE - Due Diligence Vendor-11/28/2025 <br> Ready for Review-Document Uploaded. Please see uploaded LOE. Income verification - That the business operated and business model has changed. Kindly reconsider. - Seller-11/28/2025 <br> Open-Missing LOE from the tax preparer confirming that B1's business can be sustainably operated with B1 working remotely from xxx. Although B1's LOE (page 259) indicates plans to relocate, it remains unclear how the subject will serve as a primary residence given the business location in xxx, xxx. The tax preparer's LOE (page 76) confirms xxx is jointly owned by B1 and partner but does not state that B1 operates the catering business remotely. Third-party verification is needed to support the feasibility of remote management. - Due Diligence Vendor-11/25/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded LOE. Income verification - That the business operated and business model has changed. Kindly reconsider. - Seller-11/28/2025<br>| &nbsp;&nbsp;Resolved-Lender resent LOE - Due Diligence Vendor-11/28/2025<br>| &nbsp;&nbsp;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<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.09 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.94% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6387479 |
| &nbsp;&nbsp;636577 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE6737 | &nbsp;&nbsp;2025-11-25 17:59 | &nbsp;&nbsp;2025-12-02 13:09 | &nbsp;&nbsp;Waived | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Letter of Explanation (Income) missing or unexecuted | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided waiving Non-Sufficient Funds (NSF) requirements from Guideline - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. please see management exceptions - Seller-12/02/2025 <br> Open-Missing LOE from B1 for NSF charges reported for xxx for the months of April 2025 (1-NSF) and February 2025 (4-NSF); - Due Diligence Vendor-11/25/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. please see management exceptions - Seller-12/02/2025<br>| &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided waiving Non-Sufficient Funds (NSF) requirements from Guideline - Due Diligence Vendor-12/02/2025<br>| &nbsp;&nbsp;Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.75 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 620 By Twenty (20) or More Points<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 - 19.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.82 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 - 19.18 Years | &nbsp;&nbsp;Due to borrower has a great LTV<br> Not a large Amount<br> Borrower has consistent deposit history | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;Yes | &nbsp;&nbsp;6391439 |
| &nbsp;&nbsp;636577 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE8611 | &nbsp;&nbsp;2025-11-25 18:25 | &nbsp;&nbsp;2025-12-01 15:32 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Income | &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;Resolved-Condition uploaded, reviewed and resolved. - Due Diligence Vendor-12/01/2025 <br> Open-Missing VVOE for xxx (aka xxx.) and xxx - VVOE provided is only for xxx. - Due Diligence Vendor-11/25/2025 |  | &nbsp;&nbsp;Resolved-Condition uploaded, reviewed and resolved. - Due Diligence Vendor-12/01/2025<br>| &nbsp;&nbsp;Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.75 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 620 By Twenty (20) or More Points<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 - 19.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.82 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 - 19.18 Years |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6391661 |
| &nbsp;&nbsp;636577 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1202 | &nbsp;&nbsp;2025-11-25 17:50 | &nbsp;&nbsp;2025-12-01 08:39 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;Resolved- - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-11/29/2025 <br>Open-Risk Assessment does not include all the parties involved with the transaction. Updated report will need to include all parties including the settlement company/agent, appraisal company/agent, borrower(s) AKAs and mortgage representatives/company; - Due Diligence Vendor-11/25/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-11/29/2025<br>|  | &nbsp;&nbsp;Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.75 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 620 By Twenty (20) or More Points<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 - 19.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.82 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 - 19.18 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6391337 |
| &nbsp;&nbsp;636577 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1819 | &nbsp;&nbsp;2025-11-25 17:56 | &nbsp;&nbsp;2025-12-01 08:39 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Entity Financial Statement Incomplete | &nbsp;&nbsp;Resolved-Cert of formation provided. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please refer to uploaded documents page 5, there's a letter showing it's the same entity. - Seller-11/29/2025 <br> Open-Missing documentation to support that xxx and xxx are the same entity for xxx (page 367) and as listed on the Final 1003. If they are separate entities, additional conditions will apply, including documentation to evidence two years of business existence for xxx. - Due Diligence Vendor-11/25/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please refer to uploaded documents page 5, there's a letter showing it's the same entity. - Seller-11/29/2025<br>| &nbsp;&nbsp;Resolved-Cert of formation provided. - Due Diligence Vendor-12/01/2025<br>| &nbsp;&nbsp;Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.75 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 620 By Twenty (20) or More Points<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 - 19.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.82 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 - 19.18 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6391414 |
| &nbsp;&nbsp;636577 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1964 | &nbsp;&nbsp;2025-11-25 17:49 | &nbsp;&nbsp;2025-12-01 08:38 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;Resolved-Updated 1003 provided - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Uploaded updated 1003 to xxx. Since we have Business under xxx, bank stmt used it as xxx should be no problem using xxx income - Seller-11/29/2025 <br> Open-Missing documentation to support that xxx and xxx are the same entity for xxx (page 229), as well as documentation confirming whether xxx is the same entity as xxx (pages 382–383). xxx is listed on the Final 1003; however, qualifying income is derived from xxx, not xxx.<br>If these are separate entities, additional conditions will apply, including documentation evidencing two years of business existence for xxx and the source of qualifying income. The Final 1003 will also need to be updated if xxx is not to be considered a source of income. - Due Diligence Vendor-11/25/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Uploaded updated 1003 to xxx. Since we have Business under xxx, bank stmt used it as xxx should be no problem using xxx income - Seller-11/29/2025 | &nbsp;&nbsp;Resolved-Updated 1003 provided - Due Diligence Vendor-12/01/2025<br>| &nbsp;&nbsp;Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.75 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 620 By Twenty (20) or More Points<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 - 19.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.82 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<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 - 19.18 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6391322 |
| &nbsp;&nbsp;184536 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;220738 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;210186 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;318768 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;873475 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE7497 | &nbsp;&nbsp;2025-11-24 08:23 | &nbsp;&nbsp;2025-12-22 20:00 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;Resolved-Property report provided showing property is a SFR, CD from recent sale of the home is also included detailing daily HOA prorations. - Due Diligence Vendor-12/23/2025 <br> Counter-Document Uploaded. The Final CD reflects an HOA transfer to xxx HOA for the xxx - Proof of monthly HOA is missing from the file. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-The HOA Cap Fee of xxx is a one time payment made by the borrower at closing. - Seller-12/10/2025 <br> Counter-Final CD provided reflects HOA Cap Fee xxx however the condition is asking for the HOA statement for property xxx. Unable to determine if the month HOA is xxx as reflected on CD. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Missing verification of HOA fees for property xxx. - Due Diligence Vendor-11/24/2025 | &nbsp;&nbsp;Ready for Review-The HOA Cap Fee of xxx is a one time payment made by the borrower at closing. - Seller-12/10/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 | &nbsp;&nbsp;Resolved-Property report provided showing property is a SFR, CD from recent sale of the home is also included detailing daily HOA prorations. - Due Diligence Vendor-12/23/2025<br>| &nbsp;&nbsp;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 0.03<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 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 680 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6359952 |
| &nbsp;&nbsp;873475 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1201 | &nbsp;&nbsp;2025-11-24 01:40 | &nbsp;&nbsp;2025-12-03 13:21 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-Missing Third Party Fraud Report Missing risk assessment inclusive of all parties to the transaction. A complete report is required and must include the settlement company/agent, appraisal company/agent, borrower AKAs, and all mortgage representatives/companies involved. - Due Diligence Vendor-11/24/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| &nbsp;&nbsp;Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/03/2025<br>| &nbsp;&nbsp;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 0.03<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 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 680 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6357659 |
| &nbsp;&nbsp;834620 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1157 | &nbsp;&nbsp;2025-11-28 13:26 | &nbsp;&nbsp;2025-12-05 09:49 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Insurance | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;Resolved-Updated 1008 and 1003 provided. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Please see updated 1003 - Seller-12/03/2025 <br> Counter-Apologies for the confusion, The Property Report states annual taxes as xxx / 12 = xxx vs Lenders total xxx used for rent loss - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Please note that It does not show property lien as per PP, HOI is not required. - Seller-12/01/2025 <br> Open-Non-subject REO at xxx shows an HOI of approximately xxx as per the final 1003. No HOI policy is on file for this non-subject REO. Please provide. - Due Diligence Vendor-11/28/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see updated 1003 - Seller-12/03/2025 <br>Ready for Review-Please note that It does not show property lien as per PP, HOI is not required. - Seller-12/01/2025<br>| &nbsp;&nbsp;Resolved-Updated 1008 and 1003 provided. - Due Diligence Vendor-12/05/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.21% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.81 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 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6417838 |
| &nbsp;&nbsp;631271 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;473248 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;713955 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM8891 | &nbsp;&nbsp;2025-11-28 10:07 | &nbsp;&nbsp;2025-12-04 15:00 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Closing Package | &nbsp;&nbsp;Other Compliance | &nbsp;&nbsp;Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Please see uploaded revised DOT - Seller-12/04/2025 <br> Open-<br> \*\*\*\* Notary date in Mortgage reflects "0T day of xxx". -- Mortgage with corrected notary acknowledgment date has not been provided. - Due Diligence Vendor-11/28/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded revised DOT - Seller-12/04/2025<br>| &nbsp;&nbsp;Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/04/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.38% 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 18.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<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 - 13.81 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.83 Years |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6416456 |
| &nbsp;&nbsp;863910 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;943422 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;274040 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;528168 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;167818 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM1232 | &nbsp;&nbsp;2025-11-25 09:32 | &nbsp;&nbsp;2025-12-11 08:29 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Closing Package | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;Resolved-The Final 1003 is Present - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see uploaded Final 1003 - Seller-12/11/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-11/25/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded Final 1003 - Seller-12/11/2025<br>| &nbsp;&nbsp;Resolved-The Final 1003 is Present - Due Diligence Vendor-12/11/2025<br>| &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.44% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6381035 |
| &nbsp;&nbsp;300940 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;717671 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;498926 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;991767 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;896696 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE7497 | &nbsp;&nbsp;2025-11-26 10:48 | &nbsp;&nbsp;2025-12-03 13:19 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;Resolved-HOA statement provided. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. The calculation is from HOI xxx, Proposed Taxes xxx, HOD xxx = xxx rounded up to xxx. Please see uploaded. - Seller-12/02/2025 <br> Open-Missing HOA statement for xxx- Due Diligence Vendor-11/26/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. The calculation is from HOI xxx, Proposed Taxes xxx, HOD xxx = xxx rounded up to xxx. Please see uploaded. - Seller-12/02/2025 | &nbsp;&nbsp;Resolved-HOA statement provided. - Due Diligence Vendor-12/03/2025<br>| &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6400488 |
| &nbsp;&nbsp;115735 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;279844 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;734906 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;134821 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;584852 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;676856 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;318073 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1501 | &nbsp;&nbsp;2025-11-26 15:05 | &nbsp;&nbsp;2025-11-28 18:45 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower | &nbsp;&nbsp;Borrower Identification Documentation Partially Provided | &nbsp;&nbsp;Resolved- - Due Diligence Vendor-11/28/2025 <br>Ready for Review-Document Uploaded. - Seller-11/28/2025 <br>Open-Missing the Issue/Expiration date for B1's Driver's License on the USA Patriot Act form. - Due Diligence Vendor-11/26/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-11/28/2025<br>|  | &nbsp;&nbsp;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 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6407592 |
| &nbsp;&nbsp;846055 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;559792 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;515428 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;405831 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;435327 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;276285 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1198 | &nbsp;&nbsp;2025-11-25 01:35 | &nbsp;&nbsp;2025-12-12 10:47 | &nbsp;&nbsp;Waived | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided Audited reserves of 1.41 are less than GL reserves - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Please see uploaded exceptions. Kindly reconsider. - Seller-12/11/2025 <br> Counter-The receipt of these funds are from a borrower account which is true. However, they are from a xxx account ending in xxx which we have no other documentation of in the file. While the guidelines do not call out the need to verify large deposits, the funds in that account ending in xxx could have been obtained with numerous other items that have to be reviewed. The likely scenario is that the borrower transferred funds here from the xxx account that we do have verified but that's making an assumption that would have to be verified. The other aspect of this finding that is outstanding is the shortage of funs which has yet to be reconciled. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see attached receipt of funds. - Seller-12/10/2025 <br> Counter-"Provided PCCD or Final HUD/SS" reflecting the Wire of xxx was applied at closing. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see uploaded complete document, funds to close. - Seller-12/08/2025 <br> Counter-Provided PCCD or Final HUD/SS reflecting the Wire of xxx was applied at closing. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Total Required Assets<br> CTC - xxx + PITI - xxx = xxx<br>Total Verified Assets<br> xxx - xxx - xxx<br>Total Reserve Amount Shortage <br> - xxx<br>Please note that we have wire Confirmation sent to title amounting xxx, CTC of xxx and we will get xxx that can covers the shortage of xxx. - Seller-12/03/2025 <br> Open-Audited Reserves of 1.41 are less than Guideline Required Reserves of 3 Total Liquid Assets Available For Close xxx<br> Cash Required from Borrower (Negative To Borrower) xxx<br> Total Required Reserve Amount xxx<br> Total Reserve Amount Shortage - xxx<br> - Due Diligence Vendor-11/25/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded exceptions. Kindly reconsider. - Seller-12/11/2025 <br> Ready for Review-Document Uploaded. Please see attached receipt of funds. - Seller-12/10/2025 <br> Ready for Review-Document Uploaded. Please see uploaded complete document, funds to close. - Seller-12/08/2025 <br> Ready for Review-Total Required Assets<br> CTC - xxx + PITI - xxx = xxx<br>Total Verified Assets<br> xxx - xxx - xxx<br>Total Reserve Amount Shortage <br> - xxx<br>Please note that we have wire Confirmation sent to title amounting xxx, CTC of xxx and we will get xxx that can covers the shortage of xxx. - Seller-12/03/2025 | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: Exception provided Audited reserves of 1.41 are less than GL reserves - Due Diligence Vendor-12/12/2025<br>| &nbsp;&nbsp;Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.21% Is Below The Guideline Maximum Of 80% 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 700 By Twenty (20) or More Points | &nbsp;&nbsp;Great LTV (35%)<br> Good credit score (xxx) | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;Yes | &nbsp;&nbsp;6377204 |
| &nbsp;&nbsp;979706 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;846090 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FVAL1310 | &nbsp;&nbsp;2025-11-27 23:19 | &nbsp;&nbsp;2025-12-03 11:53 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;HOA Questionnaire is Missing or incomplete | &nbsp;&nbsp;Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see uploaded CPM - Seller-12/02/2025 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-11/28/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded CPM - Seller-12/02/2025<br>| &nbsp;&nbsp;Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/03/2025<br>| &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.67% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.82 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 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6414091 |
| &nbsp;&nbsp;510506 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;394871 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1161 | &nbsp;&nbsp;2025-11-26 08:13 | &nbsp;&nbsp;2025-12-03 09:16 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Insurance | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see uploaded Flood Certificate. - Seller-12/02/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-11/26/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded Flood Certificate. - Seller-12/02/2025<br>| &nbsp;&nbsp;Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/03/2025<br>| &nbsp;&nbsp;Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.54% Is Below The Guideline Maximum Of 75% 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 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.39% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.96 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.75 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 0.11 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6397579 |
| &nbsp;&nbsp;804334 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1161 | &nbsp;&nbsp;2025-11-28 02:49 | &nbsp;&nbsp;2025-12-02 12:32 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Insurance | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Please see uploaded Flood Cert<br> - Seller-12/02/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-11/28/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded Flood Cert<br> - Seller-12/02/2025<br>| &nbsp;&nbsp;Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/02/2025<br>| &nbsp;&nbsp;Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.15% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) 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 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.96 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 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6414880 |
| &nbsp;&nbsp;748978 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;409804 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;798486 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1159 | &nbsp;&nbsp;2025-11-26 08:08 | &nbsp;&nbsp;2025-12-11 11:56 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see uploaded revised binder. - Seller-12/09/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-11/26/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded revised binder. - Seller-12/09/2025<br>| &nbsp;&nbsp;Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/11/2025 | &nbsp;&nbsp;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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.65% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.56 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 0.14 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6397506 |
| &nbsp;&nbsp;529347 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;251485 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;491949 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;176971 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;341450 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;458050 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;733394 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;669008 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1198 | &nbsp;&nbsp;2025-12-01 01:13 | &nbsp;&nbsp;2025-12-05 11:42 | &nbsp;&nbsp;Waived | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: exception provided to short reserves of 2 months - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-12/04/2025 <br> Open-Audited Reserves of 7.67 are less than Guideline Required Reserves of 9 9 Months reserve requirement for total of xxx per guidelines. Total verified assets of xxx in xxx acct xxx. Short assets in the amount of xxx - Due Diligence Vendor-12/02/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-12/04/2025<br>| &nbsp;&nbsp;Waived-Exception granted with supporting comp factors: exception provided to short reserves of 2 months - Due Diligence Vendor-12/05/2025<br>| &nbsp;&nbsp;Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.82 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.82 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 0.11<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years | &nbsp;&nbsp;Low LTV | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;Originator Post-Close | &nbsp;&nbsp;Yes | &nbsp;&nbsp;6423890 |
| &nbsp;&nbsp;169960 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;910882 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;369216 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;740647 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;429284 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;790021 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;775821 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;264850 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;247176 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-3634 | &nbsp;&nbsp;2025-12-02 00:21 | &nbsp;&nbsp;2025-12-30 08:49 | &nbsp;&nbsp;Cured | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID Tolerance | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Counter-PCCD alone is insufficient for remediation. Refunds less than or equal to xxx will not require the evidence of shipment or receipt (proof of refund - copy of refund check or principal curtailment is still required). If the remediation includes principal curtailments performed post-closing, the servicing screen-print of the applied reduction will serve as evidence. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/24/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <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). Initial LE dated xxx reflects Credit report Fee xxx however, Final CD dated xxx reflects the Credit report Fee xxxx the fee has been increased . Required valid COC. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/24/2025<br>| &nbsp;&nbsp;Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/30/2025<br>| &nbsp;&nbsp;Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.67 Years<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 - 11.79 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.11 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 0.08<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 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6440411 |
| &nbsp;&nbsp;247176 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-3631 | &nbsp;&nbsp;2025-12-02 00:21 | &nbsp;&nbsp;2025-12-30 08:49 | &nbsp;&nbsp;Cured | &nbsp;&nbsp;2 - Non-Material &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;Reimbursement Amount Validation Test | &nbsp;&nbsp;Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Counter-PCCD alone is insufficient for remediation. Refunds less than or equal to xxx will not require the evidence of shipment or receipt (proof of refund - copy of refund check or principal curtailment is still required). If the remediation includes principal curtailments performed post-closing, the servicing screen-print of the applied reduction will serve as evidence. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/24/2025 <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. Initial LE dated xxx reflects Credit report Fee xxx however, Final CD dated xxx reflects the Credit report Fee xxx the fee has been increased . Required valid COC. - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/24/2025<br>| &nbsp;&nbsp;Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/30/2025<br>| &nbsp;&nbsp;Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.67 Years<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 - 11.79 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.11 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 0.08<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 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6440412 |
| &nbsp;&nbsp;247176 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-3632 | &nbsp;&nbsp;2025-12-02 00:21 | &nbsp;&nbsp;2025-12-30 08:49 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Disclosures (Federal, State, and Data Dependent) | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Counter-PCCD alone is insufficient for remediation. Refunds less than or equal to xxx will not require the evidence of shipment or receipt (proof of refund - copy of refund check or principal curtailment is still required). If the remediation includes principal curtailments performed post-closing, the servicing screen-print of the applied reduction will serve as evidence. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/24/2025 <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. Initial LE dated xxx reflects Credit report Fee xxx however, Final CD dated xxx reflects the Credit report Fee xxx the fee has been increased . Required valid COC. - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/24/2025<br>| &nbsp;&nbsp;Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/30/2025<br>| &nbsp;&nbsp;Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.67 Years<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 - 11.79 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.11 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 0.08<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 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6440413 |
| &nbsp;&nbsp;371486 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;142416 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1173 | &nbsp;&nbsp;2025-12-02 06:37 | &nbsp;&nbsp;2025-12-07 08:37 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Insurance | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-12/07/2025 <br>Ready for Review-Document Uploaded. Please see uploaded. - Seller-12/04/2025 <br>Open-Missing HO-6 Master Insurance Policy for Subject Property. - Due Diligence Vendor-12/02/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded. - Seller-12/04/2025<br>| &nbsp;&nbsp;Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-12/07/2025<br>| &nbsp;&nbsp;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<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 0.06<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.48% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.88% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6441979 |
| &nbsp;&nbsp;924429 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;646581 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;437504 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;886206 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;432235 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;681665 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;171919 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;248343 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCOM1227 | &nbsp;&nbsp;2025-12-03 05:41 | &nbsp;&nbsp;2026-01-07 08:01 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Closing Package | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;Resolved-Signed SCRIVENER'S ERROR(S) AFFIDAVIT regarding MORTGAGE WAS RECORDED WITHOUT PUD RIDER was provided. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. - Seller-01/05/2026 <br>Counter-Documentation required for resolution include: Corrected Security Instrument and riders executed by borrower, page 1 re-record declaration or cover sheet stating the reason for the re-record. Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Open-PUD Rider is Missing Provide fully executed PUD Rider - Due Diligence Vendor-12/03/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-01/05/2026 <br>Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| &nbsp;&nbsp;Resolved-Signed SCRIVENER'S ERROR(S) AFFIDAVIT regarding MORTGAGE WAS RECORDED WITHOUT PUD RIDER was provided. - Due Diligence Vendor-01/07/2026<br>| &nbsp;&nbsp;Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum Calculated DTI Of 9.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6460184 |
| &nbsp;&nbsp;248343 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FVAL9739 | &nbsp;&nbsp;2025-12-03 08:21 | &nbsp;&nbsp;2025-12-30 07:34 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;Resolved-Signed PUD Rider provided. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Open-Property Type mismatching between Appraisal and Deed of Trust. Appraisal showing property type as PUD and Deed of Trust did not checked the box for PUD rider. Provide the updated document. - Due Diligence Vendor-12/03/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| &nbsp;&nbsp;Resolved-Signed PUD Rider provided. - Due Diligence Vendor-12/30/2025<br>| &nbsp;&nbsp;Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum Calculated DTI Of 9.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | &nbsp;&nbsp;Property Type mismatching between Appraisal and Deed of Trust. Appraisal showing property type as PUD and Deed of Trust did not checked the box for PUD rider. Provide the updated document. | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6461328 |
| &nbsp;&nbsp;479837 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1812 | &nbsp;&nbsp;2025-12-03 08:26 | &nbsp;&nbsp;2025-12-08 11:21 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Business Overview Missing | &nbsp;&nbsp;Resolved-License screech provided. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see uploaded Business License - Seller-12/05/2025 <br> Open-Missing Business or professional License for the past 2 years for xxx - Due Diligence Vendor-12/03/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded Business License - Seller-12/05/2025<br>| &nbsp;&nbsp;Resolved-License screech provided. - Due Diligence Vendor-12/08/2025 | &nbsp;&nbsp;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<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.57 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.58 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.53% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6461393 |
| &nbsp;&nbsp;866537 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1467 | &nbsp;&nbsp;2025-12-03 03:29 | &nbsp;&nbsp;2025-12-09 13:44 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Assets | &nbsp;&nbsp;Asset 1 Missing | &nbsp;&nbsp;Resolved-Asset 1 Provided - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see uploaded revised 1008 and 1003 - Seller-12/08/2025 <br> Counter-Document Uploaded. If no longer using the xxx account, an updated 1008 & 1003 removing those assets is needed. - Due Diligence Vendor-12/07/2025 <br> Ready for Review-The only asset shows in URLA is for xxx which is already in file. xxx xxx is not needed. - Seller-12/04/2025 <br> Open-Asset 1 Missing - xxx, N.A xxx - iao xxx - Due Diligence Vendor-12/04/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded revised 1008 and 1003 - Seller-12/08/2025 <br> Ready for Review-The only asset shows in URLA is for xxx which is already in file. xxx xxx is not needed. - Seller-12/04/2025 | &nbsp;&nbsp;Resolved-Asset 1 Provided - Due Diligence Vendor-12/09/2025<br>| &nbsp;&nbsp;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<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 - 10.46 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.46 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.69% 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 39.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6459631 |
| &nbsp;&nbsp;866537 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1241 | &nbsp;&nbsp;2025-12-03 02:57 | &nbsp;&nbsp;2025-12-07 08:59 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Property | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-12/07/2025 <br>Ready for Review-Document Uploaded. Please see uploaded Escrow/Purchase. - Seller-12/05/2025 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-12/03/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded Escrow/Purchase. - Seller-12/05/2025<br>| &nbsp;&nbsp;Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-12/07/2025<br>| &nbsp;&nbsp;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<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 - 10.46 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.46 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.69% 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 39.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6459468 |
| &nbsp;&nbsp;866537 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1167 | &nbsp;&nbsp;2025-12-03 03:05 | &nbsp;&nbsp;2025-12-07 08:56 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | &nbsp;&nbsp;Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/07/2025 <br> Ready for Review-Please see page 280 on loan package (xxx). It can cover the loan amount. - Seller-12/04/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-12/03/2025 | &nbsp;&nbsp;Ready for Review-Please see page 280 on loan package (xxx). It can cover the loan amount. - Seller-12/04/2025 | &nbsp;&nbsp;Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/07/2025<br>| &nbsp;&nbsp;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<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 - 10.46 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.46 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.69% 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 39.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6459491 |
| &nbsp;&nbsp;879191 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;242763 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1812 | &nbsp;&nbsp;2025-12-03 06:09 | &nbsp;&nbsp;2025-12-08 11:22 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Business Overview Missing | &nbsp;&nbsp;Resolved-Business License provided. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see uploaded Business License. It was issued year xxx and expires on xxx - Seller-12/05/2025 <br> Open-Missing Business or professional License for past 2 years for xxx - Due Diligence Vendor-12/03/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please see uploaded Business License. It was issued year xxx and expires on xxx - Seller-12/05/2025 | &nbsp;&nbsp;Resolved-Business License provided. - Due Diligence Vendor-12/08/2025<br>| &nbsp;&nbsp;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 0.05<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 18.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<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 - 8.50 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.96% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.57% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6460307 |
| &nbsp;&nbsp;138227 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;376543 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;934216 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;994167 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;533975 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;883549 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;656591 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;705953 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;827415 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;808296 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;976441 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;730106 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;183135 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;404006 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;506093 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;300522 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;207607 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;379469 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;159229 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-47 | &nbsp;&nbsp;2025-12-08 13:17 | &nbsp;&nbsp;2025-12-29 05:07 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Counter-PCCD funding after the conclusion of borrower(s) 3 day rescission period, has been provided. This has resulted in additional findings: ------ Reserve amounts adjusted for a change to the Property Tax. However, a corrected Initial Escrow Account Disclosure and corrected Pmt Letter to the borrower has not been provided. - Due Diligence Vendor-12/24/2025 <br> Resolved- - Due Diligence Vendor-12/24/2025 <br> Ready for Review- - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.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. the Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| &nbsp;&nbsp;Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-12/29/2025<br>| &nbsp;&nbsp;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 - 28.91 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.90 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.96 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.65% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.67% Is Below The Guideline Maximum Of 75% 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 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6532227 |
| &nbsp;&nbsp;159229 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE9565 | &nbsp;&nbsp;2025-12-08 01:00 | &nbsp;&nbsp;2025-12-24 13:01 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;QM/ATR | &nbsp;&nbsp;ATR: Residual Income Analysis Not Provided | &nbsp;&nbsp;Resolved-ATR: Residual Income Analysis Provided Or Not Applicable - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Ready for Review-Could you please provide us a sample document? - Seller-12/23/2025 <br>Open-ATR: Residual Income Analysis Not Provided - Due Diligence Vendor-12/08/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Ready for Review-Could you please provide us a sample document? - Seller-12/23/2025<br>| &nbsp;&nbsp;Resolved-ATR: Residual Income Analysis Provided Or Not Applicable - Due Diligence Vendor-12/24/2025<br>| &nbsp;&nbsp;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 - 28.91 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.90 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.96 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.65% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.67% Is Below The Guideline Maximum Of 75% 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 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6522046 |
| &nbsp;&nbsp;909326 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;662575 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;221823 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;862561 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;546315 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;424107 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;953140 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;266932 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;530091 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;858445 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;917945 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1812 | &nbsp;&nbsp;2025-12-08 08:37 | &nbsp;&nbsp;2025-12-24 13:02 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Business Overview Missing | &nbsp;&nbsp;Resolved-Business Entity Documents provided effective xxx dated xxx - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Open-Missing business or professional license for the past 2 years xxx - Due Diligence Vendor-12/08/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| &nbsp;&nbsp;Resolved-Business Entity Documents provided effective xxx dated xxx - Due Diligence Vendor-12/24/2025 | &nbsp;&nbsp;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> 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 0.07<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6525465 |
| &nbsp;&nbsp;357805 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;181086 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;889274 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;188684 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;199385 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;598218 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;383349 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;989773 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;658037 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1201 | &nbsp;&nbsp;2025-12-12 07:06 | &nbsp;&nbsp;2025-12-16 13:24 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Credit | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/12/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| &nbsp;&nbsp;Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/16/2025<br>| &nbsp;&nbsp;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 - 8.38 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 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6598455 |
| &nbsp;&nbsp;598750 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;160126 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;ATR/QM: Not Applicable | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Investment | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;666766 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;515445 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;118970 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;315090 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;716537 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;240181 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;755228 |  | &nbsp;&nbsp; &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;finding-3652 | &nbsp;&nbsp;2025-12-23 05:14 | &nbsp;&nbsp;2025-12-26 08:44 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;Resolved-COC event detail_ received, data entered, no additional compliance findings. - Due Diligence Vendor-12/26/2025 <br> Resolved- - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. - Seller-12/24/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Revised LE dated xxx reflects Lender Credit fee xxx however, Final CD dated xxx reflects Lender Credit fee xxx The fee xxx has been decreased for Lender Credit fee, which exceeds the 0% tolerance. Required valid COC or cure amount of xxx - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. - Seller-12/24/2025<br>| &nbsp;&nbsp;Resolved-COC event detail_ received, data entered, no additional compliance findings. - Due Diligence Vendor-12/26/2025<br>| &nbsp;&nbsp;Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.91 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.88% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | &nbsp;&nbsp;Closing Disclosure (V2)Pricing change due to Lock.pdf | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6755820 |
| &nbsp;&nbsp;421585 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE9549 | &nbsp;&nbsp;2025-12-24 11:35 | &nbsp;&nbsp;2025-12-30 13:10 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;Credit Report Supplement is missing | &nbsp;&nbsp;Resolved-CBR history with current mortgage statement provided. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. xxx - Credit report already show up to August and borrower provide most recent MTG stmt dated xxx. per submitted mortgage statement it shows there is no late history and if you see YTD, there is no late charge. So this tells us there is no late payment - Seller-12/30/2025 <br> Counter-Document Uploaded. The Condition is for the credit report reflects only 9 months of history for an account opened in xxx and Guidelines require 12 months - Due Diligence Vendor-12/29/2025 <br> Ready for Review-xxx - Rebuttal/Comment: per guideline VOM required for borrower(s) that are homeowners and mortgage payment history is not reflected on credit report.<br> Primary address already reflecting on Credit report, therefore no additional housing history is needed. also requirement of 12 month payment history in guideline is for private lender. - Seller-12/27/2025 <br> Open-Missing a complete 12-month payment history for the xxx — xxx account ending xxx.<br> The credit report reflects only 9 months of history for an account opened in xxx; per GL requirements, a full 12-month payment history is required for primary residence/subject properties. - Due Diligence Vendor-12/24/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. xxx - Credit report already show up to August and borrower provide most recent MTG stmt dated xxx. per submitted mortgage statement it shows there is no late history and if you see YTD, there is no late charge. So this tells us there is no late payment - Seller-12/30/2025 <br> Ready for Review-xxx- Rebuttal/Comment: per guideline VOM required for borrower(s) that are homeowners and mortgage payment history is not reflected on credit report.<br> Primary address already reflecting on Credit report, therefore no additional housing history is needed. also requirement of 12 month payment history in guideline is for private lender. - Seller-12/27/2025 | &nbsp;&nbsp;Resolved-CBR history with current mortgage statement provided. - Due Diligence Vendor-12/30/2025<br>| &nbsp;&nbsp;Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.46 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.42 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.38 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.19% Is Below The Guideline Maximum Of 85% 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 700 By Twenty (20) or More Points |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6790770 |
| &nbsp;&nbsp;453322 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;511018 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;600871 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;Cash Out - Other |  |  |  |
| &nbsp;&nbsp;816622 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;472649 |  | &nbsp;&nbsp; &nbsp;&nbsp;D &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;Closed | &nbsp;&nbsp;FCRE1468 | &nbsp;&nbsp;2025-12-22 09:36 | &nbsp;&nbsp;2025-12-24 13:53 | &nbsp;&nbsp;Resolved | &nbsp;&nbsp;1 - Information &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Doc - Assets | &nbsp;&nbsp;Asset 2 Missing | &nbsp;&nbsp;Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. Please note that we did not use xxx to qualify the loan.<br> We only used xxx (b1) and xxx (B2).<br> Please see attached revised Final 1003. Thank you.<br> - Seller-12/24/2025 <br> Open-Asset 2 Missing xxx account ending xxx with xxx ending balance included in the transaction is not found in the file. - Due Diligence Vendor-12/22/2025 | &nbsp;&nbsp;Ready for Review-Document Uploaded. Please note that we did not use xxx to qualify the loan.<br> We only used xxx (b1) and xxx (B2).<br> Please see attached revised Final 1003. Thank you.<br> - Seller-12/24/2025 | &nbsp;&nbsp;Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/24/2025<br>| &nbsp;&nbsp;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 - 20.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.94% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) 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 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.73 Are Greater Than The Guideline Minimum Of 9 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 0.21 |  | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;6732800 |
| &nbsp;&nbsp;931721 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;443169 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;418971 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;359144 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;670288 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Refinance | &nbsp;&nbsp;No Cash Out - Borrower Initiated |  |  |  |
| &nbsp;&nbsp;842996 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;809274 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;933404 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;709498 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |
| &nbsp;&nbsp;309087 |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  | &nbsp;&nbsp; &nbsp;&nbsp;A |  |  |  |  |  |  |  |  |  | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors | &nbsp;&nbsp;xxx | &nbsp;&nbsp;xxx | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;NA |  |  |  |

---

## Exhibit 99.17

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 221181 |  |  | xxx A |
| 571512 |  |  | xxx A |
| 157319 |  |  | xxx A |
| 420446 |  |  | xxx A |
| 142238 |  |  | xxx D A |
| 284147 |  |  | xxx C A |
| 851657 |  |  | xxx A |
| 350689 |  |  | xxx A |
| 884837 |  |  | xxx A |
| 518922 |  |  | xxx A |
| 671506 |  |  | xxx A |
| 420383 |  |  | xxx C A B |
| 670111 |  |  | xxx D A |
| 170602 |  |  | xxx A |
| 205335 |  |  | xxx D A |
| 253246 |  |  | xxx A D |
| 298151 |  |  | xxx A |
| 974192 |  |  | xxx A |
| 220515 |  |  | xxx A |
| 650451 |  |  | xxx A C |
| 934100 |  |  | xxx A |
| 914798 |  |  | xxx D A |
| 523223 |  |  | xxx C A |
| 824771 |  |  | xxx A |
| 861861 |  |  | xxx C A B |
| 171169 |  |  | xxx A |
| 219907 |  |  | xxx C A B |
| 512992 |  |  | xxx C A |
| 976188 |  |  | xxx C A |
| 654606 |  |  | xxx C A |
| 899957 |  |  | xxx A C |
| 994192 |  |  | xxx D A |
| 638820 |  |  | xxx D A |
| 800719 |  |  | xxx D A |
| 408431 |  |  | xxx D A |
| 411967 |  |  | xxx A |
| 213085 |  |  | xxx A |
| 709173 |  |  | xxx D A |
| 284354 |  |  | xxx A |
| 248023 |  |  | xxx A |
| 461012 |  |  | xxx A |
| 880054 |  |  | xxx A |
| 557246 |  |  | xxx A |
| 501608 |  |  | xxx A |
| 892335 |  |  | xxx A |
| 190104 |  |  | xxx A |
| 422015 |  |  | xxx A |
| 652401 |  |  | xxx A |
| 676093 |  |  | xxx D A |
| 266167 |  |  | xxx D A |
| 361615 |  |  | xxx A |
| 195774 |  |  | xxx A |
| 199303 |  |  | xxx A |
| 196394 |  |  | xxx A |
| 488646 |  |  | xxx A C |
| 393432 |  |  | xxx A |
| 689783 |  |  | xxx A |
| 713449 |  |  | xxx A B |
| 500682 |  |  | xxx A |
| 989673 |  |  | xxx A |
| 601673 |  |  | xxx A |
| 871557 |  |  | xxx A |
| 188470 |  |  | xxx A |
| 881423 |  |  | xxx A |
| 817326 |  |  | xxx D A |
| 390086 |  |  | xxx A |
| 853834 |  |  | xxx A |
| 416919 |  |  | xxx A |
| 963360 |  |  | xxx A |
| 784169 |  |  | xxx A |
| 355267 |  |  | xxx A |
| 379760 |  |  | xxx A |
| 709372 |  |  | xxx A |
| 693461 |  |  | xxx A C |
| 718368 |  |  | xxx A |
| 492098 |  |  | xxx A |
| 453120 |  |  | xxx A |
| 898326 |  |  | xxx A |
| 345390 |  |  | xxx A |
| 568147 |  |  | xxx A |
| 424118 |  |  | xxx A |
| 222940 |  |  | xxx A |
| 941351 |  |  | xxx A |
| 480443 |  |  | xxx A |
| 203989 |  |  | xxx A |
| 333448 |  |  | xxx A |
| 151916 |  |  | xxx D A |
| 605142 |  |  | xxx A |
| 693840 |  |  | xxx A |
| 201412 |  |  | xxx A |
| 751667 |  |  | xxx D A |
| 397852 |  |  | xxx A |
| 496315 |  |  | xxx A |
| 545991 |  |  | xxx A |
| 224791 |  |  | xxx A |
| 865462 |  |  | xxx A |
| 892086 |  |  | xxx A |
| 898332 |  |  | xxx A |
| 126832 |  |  | xxx A |
| 913375 |  |  | xxx A |
| 295121 |  |  | xxx D A |
| 817439 |  |  | xxx A |
| 518986 |  |  | xxx A |
| 530854 |  |  | xxx D A |
| 630371 |  |  | xxx D A |
| 418408 |  |  | xxx A |
| 862364 |  |  | xxx A |
| 460362 |  |  | xxx C A |
| 842992 |  |  | xxx A |
| 114796 |  |  | xxx A |
| 913951 |  |  | xxx A |
| 376036 |  |  | xxx A |
| 989494 |  |  | xxx D A |
| 648487 |  |  | xxx A |
| 949511 |  |  | xxx A |
| 968913 |  |  | xxx A |
| 659989 |  |  | xxx A |
| 644625 |  |  | xxx A |
| 885446 |  |  | xxx A |
| 777442 |  |  | xxx A |
| 355981 |  |  | xxx A |
| 312288 |  |  | xxx D A |
| 710674 |  |  | xxx A |
| 705174 |  |  | xxx A |
| 492840 |  |  | xxx A |
| 279074 |  |  | xxx A |
| 162374 |  |  | xxx A C |
| 753387 |  |  | xxx A |
| 608713 |  |  | xxx A |
| 251786 |  |  | xxx A |
| 759787 |  |  | xxx A |
| 988493 |  |  | xxx A C |
| 977869 |  |  | xxx A |
| 730016 |  |  | xxx A |
| 578743 |  |  | xxx A |
| 473171 |  |  | xxx A |
| 181655 |  |  | xxx A D |
| 442436 |  |  | xxx A |
| 480042 |  |  | xxx A |
| 803972 |  |  | xxx A |
| 791155 |  |  | xxx A |
| 908480 |  |  | xxx D A |
| 602068 |  |  | xxx C A |
| 793900 |  |  | xxx A |
| 470419 |  |  | xxx A |
| 751810 |  |  | xxx C A B |
| 245289 |  |  | xxx A |
| 992808 |  |  | xxx A |
| 619545 |  |  | xxx A |
| 557557 |  |  | xxx A |
| 481350 |  |  | xxx D A |
| 387606 |  |  | xxx A B |
| 931650 |  |  | xxx D A |
| 449866 |  |  | xxx A |
| 714399 |  |  | xxx C A B |
| 574473 |  |  | xxx A |
| 848493 |  |  | xxx D A |
| 126823 |  |  | xxx A |
| 863872 |  |  | xxx A |
| 675851 |  |  | xxx B A |
| 766112 |  |  | xxx A |
| 274297 |  |  | xxx C A |
| 898461 |  |  | xxx A |
| 799594 |  |  | xxx A |
| 699613 |  |  | xxx A |
| 626042 |  |  | xxx A |
| 236433 |  |  | xxx A |
| 534700 |  |  | xxx A |
| 382198 |  |  | xxx A |
| 587416 |  |  | xxx A |
| 455515 |  |  | xxx A |
| 190301 |  |  | xxx A |
| 230519 |  |  | xxx A |
| 641541 |  |  | xxx C A B |
| 167711 |  |  | xxx A |
| 803360 |  |  | xxx C A B |
| 138359 |  |  | xxx A |
| 595403 |  |  | xxx A |
| 512427 |  |  | xxx A |
| 281987 |  |  | xxx A C B |
| 986776 |  |  | xxx A |
| 163112 |  |  | xxx D C A B |
| 152702 |  |  | xxx A |
| 342929 |  |  | xxx A |
| 890021 |  |  | xxx A |
| 983029 |  |  | xxx D A |
| 830929 |  |  | xxx A |
| 246264 |  |  | xxx A |
| 799820 |  |  | xxx A |
| 129748 |  |  | xxx A |
| 671122 |  |  | xxx A |
| 723324 |  |  | xxx A |
| 883573 |  |  | xxx A C |
| 770133 |  |  | xxx A |
| 859133 |  |  | xxx C A |
| 880166 |  |  | xxx C A |
| 282263 |  |  | xxx A |
| 147882 |  |  | xxx A |
| 216911 |  |  | xxx A |
| 954670 |  |  | xxx D A |
| 647258 |  |  | xxx A |
| 463209 |  |  | xxx D C A |
| 663466 |  |  | xxx A |
| 633897 |  |  | xxx A |
| 273084 |  |  | xxx A C |
| 246011 |  |  | xxx A |
| 884977 |  |  | xxx A |
| 763463 |  |  | xxx C A |
| 957627 |  |  | xxx A |
| 597214 |  |  | xxx A D |
| 711296 |  |  | xxx A |
| 729231 |  |  | xxx A |
| 452278 |  |  | xxx A |
| 735726 |  |  | xxx A |
| 252377 |  |  | xxx A |
| 853586 |  |  | xxx D A |
| 636577 |  |  | xxx D A B |
| 184536 |  |  | xxx A |
| 220738 |  |  | xxx A |
| 210186 |  |  | xxx A |
| 318768 |  |  | xxx A |
| 873475 |  |  | xxx D A |
| 834620 |  |  | xxx D A |
| 631271 |  |  | xxx A |
| 473248 |  |  | xxx A |
| 713955 |  |  | xxx A C |
| 863910 |  |  | xxx A |
| 943422 |  |  | xxx A |
| 274040 |  |  | xxx A |
| 528168 |  |  | xxx A |
| 167818 |  |  | xxx A D |
| 300940 |  |  | xxx A |
| 717671 |  |  | xxx A |
| 498926 |  |  | xxx A |
| 991767 |  |  | xxx A |
| 896696 |  |  | xxx D A |
| 115735 |  |  | xxx A |
| 279844 |  |  | xxx A |
| 734906 |  |  | xxx A |
| 134821 |  |  | xxx A |
| 584852 |  |  | xxx A |
| 676856 |  |  | xxx A |
| 318073 |  |  | xxx C A |
| 846055 |  |  | xxx A |
| 559792 |  |  | xxx A |
| 515428 |  |  | xxx A |
| 405831 |  |  | xxx A |
| 435327 |  |  | xxx A |
| 276285 |  |  | xxx C A B |
| 979706 |  |  | xxx A |
| 846090 |  |  | xxx D A |
| 510506 |  |  | xxx A |
| 394871 |  |  | xxx D A |
| 804334 |  |  | xxx D A |
| 748978 |  |  | xxx A |
| 409804 |  |  | xxx A |
| 798486 |  |  | xxx C A |
| 529347 |  |  | xxx A |
| 251485 |  |  | xxx A |
| 491949 |  |  | xxx A |
| 176971 |  |  | xxx A |
| 341450 |  |  | xxx A |
| 458050 |  |  | xxx A |
| 733394 |  |  | xxx A |
| 669008 |  |  | xxx C A B |
| 169960 |  |  | xxx A |
| 910882 |  |  | xxx A |
| 369216 |  |  | xxx A |
| 740647 |  |  | xxx A |
| 429284 |  |  | xxx A |
| 790021 |  |  | xxx A |
| 775821 |  |  | xxx A |
| 264850 |  |  | xxx A |
| 247176 |  |  | xxx A C B |
| 371486 |  |  | xxx A |
| 142416 |  |  | xxx D A |
| 924429 |  |  | xxx A |
| 646581 |  |  | xxx A |
| 437504 |  |  | xxx A |
| 886206 |  |  | xxx A |
| 432235 |  |  | xxx A |
| 681665 |  |  | xxx A |
| 171919 |  |  | xxx A |
| 248343 |  |  | xxx A D C |
| 479837 |  |  | xxx D B A |
| 866537 |  |  | xxx D A |
| 879191 |  |  | xxx A |
| 242763 |  |  | xxx D A |
| 138227 |  |  | xxx A |
| 376543 |  |  | xxx A |
| 934216 |  |  | xxx A |
| 994167 |  |  | xxx A |
| 533975 |  |  | xxx A |
| 883549 |  |  | xxx A |
| 656591 |  |  | xxx A |
| 705953 |  |  | xxx A |
| 827415 |  |  | xxx A |
| 808296 |  |  | xxx A |
| 976441 |  |  | xxx A |
| 730106 |  |  | xxx A |
| 183135 |  |  | xxx A |
| 404006 |  |  | xxx A |
| 506093 |  |  | xxx A |
| 300522 |  |  | xxx A |
| 207607 |  |  | xxx A |
| 379469 |  |  | xxx A |
| 159229 |  |  | xxx C A |
| 909326 |  |  | xxx A |
| 662575 |  |  | xxx A |
| 221823 |  |  | xxx A |
| 862561 |  |  | xxx A |
| 546315 |  |  | xxx A |
| 424107 |  |  | xxx A |
| 953140 |  |  | xxx A |
| 266932 |  |  | xxx A |
| 530091 |  |  | xxx A |
| 858445 |  |  | xxx A |
| 917945 |  |  | xxx D A |
| 357805 |  |  | xxx A |
| 181086 |  |  | xxx A |
| 889274 |  |  | xxx A |
| 188684 |  |  | xxx A |
| 199385 |  |  | xxx A |
| 598218 |  |  | xxx A |
| 383349 |  |  | xxx A |
| 989773 |  |  | xxx A |
| 658037 |  |  | xxx D A |
| 598750 |  |  | xxx A |
| 160126 |  |  | xxx A |
| 666766 |  |  | xxx A |
| 515445 |  |  | xxx A |
| 118970 |  |  | xxx A |
| 315090 |  |  | xxx A |
| 716537 |  |  | xxx A |
| 240181 |  |  | xxx A |
| 755228 |  |  | xxx A C |
| 421585 |  |  | xxx D A |
| 453322 |  |  | xxx A |
| 511018 |  |  | xxx A |
| 600871 |  |  | xxx A |
| 816622 |  |  | xxx A |
| 472649 |  |  | xxx D C A |
| 931721 |  |  | xxx A |
| 443169 |  |  | xxx A |
| 418971 |  |  | xxx A C |
| 359144 |  |  | xxx A |
| 670288 |  |  | xxx A |
| 842996 |  |  | xxx A |
| 809274 |  |  | xxx A |
| 933404 |  |  | xxx A |
| 709498 |  |  | xxx A |
| 309087 |  |  | xxx A |

---

## Exhibit 99.18

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 221181 |  |  | xxx | xxx | 0.0 |  | xxx | xxx | 1073 Individual Condo Report |  | xxx | xxx | xxx | 50 | 50 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 571512 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80 | 80 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 157319 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 59.98 | 59.98 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0033 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 420446 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 45.45 | 45.45 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 142238 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 284147 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 851657 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report |  | xxx | xxx | xxx | 69.92 | 69.92 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 350689 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 884837 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 518922 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 32.47 | 32.47 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 671506 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 420383 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 670111 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 170602 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 205335 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 253246 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 298151 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 974192 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 220515 |  |  | 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 Eligible | 1 | xxx |
| 650451 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.5 | xxx |
| 934100 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.64 | 63.64 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 914798 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 59.29 | 59.29 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.4 | xxx |
| 523223 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.76 | 58.76 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 824771 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 49.92 | 49.92 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.1 | xxx |
| 861861 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.3 | 33.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 171169 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.25 | 31.25 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.2 | xxx |
| 219907 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 512992 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 976188 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 49.3 | 49.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 654606 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.65 | 38.65 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 899957 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.05 | 35.05 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.4 | xxx |
| 994192 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.76 | 67.76 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 638820 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 800719 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.77 | 60.77 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 408431 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 411967 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 213085 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 709173 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.36 | 11.36 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 284354 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 248023 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.0 | 30.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.9 | xxx |
| 461012 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.22 | 64.22 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 880054 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 557246 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 501608 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 892335 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.49 | 42.49 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 190104 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.0 | 40.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 422015 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.36 | 42.36 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.1 | xxx |
| 652401 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 676093 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 53.1 | 53.1 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 266167 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 64.96 | 64.96 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 361615 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.67 | 66.67 |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 195774 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.2 | xxx |
| 199303 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.4 | xxx |
| 196394 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.95 | 74.95 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 488646 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.8 | 67.8 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 393432 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 79.25 | 79.25 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 689783 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 59.94 | 59.94 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 713449 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 500682 |  |  | 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 | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 989673 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.62 | 62.62 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 601673 |  |  | 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 Eligible | 1 | xxx |
| 871557 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 188470 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.47 | 67.47 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 881423 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 817326 |  |  | xxx | xxx | xxx | 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 Eligible | 1 | xxx |
| 390086 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.3 | 63.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 853834 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 416919 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | xxx | -.0605 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | -.0605 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 963360 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 784169 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 355267 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 379760 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 709372 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.39 | 48.39 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 693461 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.58 | 58.58 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 718368 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 49.08 | 49.08 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 492098 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 453120 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 898326 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 345390 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.6 | xxx |
| 568147 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.57 | 48.57 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 424118 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 222940 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.97 | 69.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 941351 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 480443 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 72.58 | 72.58 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 203989 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 59.09 | 59.09 | xxx | xxx | -.0909 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | -.0909 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 333448 |  |  | 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 Eligible | 1 | xxx |
| 151916 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 605142 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.05 | 32.05 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 693840 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.3 | xxx |
| 201412 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 751667 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 397852 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.23 | 34.23 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 496315 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 545991 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.88 | 74.88 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 224791 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 54.88 | 54.88 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865462 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 892086 |  |  | xxx | 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 |
| 898332 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 126832 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 46.79 | 46.79 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 913375 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 295121 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 817439 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.35 | 66.35 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 518986 |  |  | 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 | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 530854 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 630371 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.71 | 50.71 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 418408 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 52.82 | 52.82 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862364 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 55.03 | 55.03 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 460362 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.3 | 66.3 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 842992 |  |  | 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 Eligible | 1 | xxx |
| 114796 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 913951 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.76 | 58.76 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 376036 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.16 | 67.16 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2.3 | xxx |
| 989494 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.95 | 64.95 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 648487 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.93 | 63.93 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 949511 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 968913 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 69.67 | 69.67 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 659989 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 77.8 | 77.8 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 644625 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 57.16 | 60.0 | xxx | xxx | .0173 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | .0173 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 885446 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 61.27 | 69.93 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 777442 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.03 | 28.03 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 355981 |  |  | xxx | 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 |
| 312288 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 710674 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 705174 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 492840 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.96 | 64.96 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 279074 |  |  | 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 | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 162374 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.0 | 68.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 753387 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 608713 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 51.75 | 51.75 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 251786 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 759787 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 988493 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.57 | 67.57 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 977869 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.16 | 62.16 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.3 | xxx |
| 730016 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.48 | 58.48 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 578743 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 473171 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 30.27 | 30.27 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 181655 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 63.41 | 63.41 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 442436 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.7 | xxx |
| 480042 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 803972 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 791155 |  |  | 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 | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 908480 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 602068 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.37 | 69.37 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 793900 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 470419 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 751810 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 68.98 | 68.98 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.4 | xxx |
| 245289 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 47.37 | 47.37 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 992808 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 54.84 | 54.84 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 619545 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.56 | 73.56 |  |  |  |  |  |  |  |  | xxx | xxx | .1111 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 557557 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.4 | xxx |
| 481350 |  |  | 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 Eligible | 1 | xxx |
| 387606 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 931650 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.15 | 35.15 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 449866 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 46.51 | 46.51 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 714399 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 574473 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.98 | 50.98 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848493 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 126823 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.5 | xxx |
| 863872 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 675851 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2 | xxx |
| 766112 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 274297 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 53.93 | 53.93 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 898461 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 799594 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 699613 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 626042 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 236433 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.3 | xxx |
| 534700 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 382198 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 587416 |  |  | xxx | 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 |
| 455515 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.66 | 73.66 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 190301 |  |  | 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 Eligible | 1 | xxx |
| 230519 |  |  | 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 Eligible | 1 | xxx |
| 641541 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 167711 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | xxx | .0112 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | .0112 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 803360 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.64 | 64.64 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 138359 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 595403 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 512427 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 281987 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.47 | 74.47 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 986776 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 57.62 | 57.62 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 163112 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.08 | 39.08 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 152702 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.78 | 74.78 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 342929 |  |  | xxx | xxx | xxx | xxx | 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 |
| 890021 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 983029 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.4 | xxx |
| 830929 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 246264 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 58.06 | 58.06 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 799820 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 72.73 | 72.73 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 129748 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 671122 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 51.0 | 51.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.7 | xxx |
| 723324 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 883573 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 770133 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 859133 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 880166 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 282263 |  |  | xxx | 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 | 1.5 | xxx |
| 147882 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 216911 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.4 | xxx |
| 954670 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 647258 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.85 | 50.85 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 463209 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.28 | 31.28 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 663466 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 633897 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.37 | 64.37 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 273084 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.5 | xxx |
| 246011 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 37.74 | 37.74 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 2.3 | xxx |
| 884977 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 59.93 | 59.93 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 763463 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.84 | 48.84 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 957627 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 54.87 | 54.87 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 597214 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 711296 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 729231 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 452278 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.3 | xxx |
| 735726 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 |  |  |  |  |  |  |  |  | xxx | xxx | .1513 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 252377 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 853586 |  |  | xxx | xxx | xxx | xxx | 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 |
| 636577 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 184536 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 220738 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.94 | 74.94 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 210186 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | lowrisk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 318768 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.75 | 68.75 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 873475 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.6 | xxx |
| 834620 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 631271 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 473248 |  |  | xxx | 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 |
| 713955 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.2 | xxx |
| 863910 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 943422 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 274040 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 52.63 | 52.63 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 528168 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.2 | xxx |
| 167818 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.94 | 74.94 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 300940 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 717671 |  |  | 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 Eligible | 1 | xxx |
| 498926 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.92 | 74.92 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 991767 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 896696 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.8 | xxx |
| 115735 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 279844 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 734906 |  |  | xxx | 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 |
| 134821 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 584852 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 676856 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.67 | 21.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 318073 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.11 | 74.11 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.6 | xxx |
| 846055 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 559792 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.57 | 66.57 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 515428 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 405831 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 435327 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.2 | xxx |
| 276285 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.40 | 35.40 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.9 | xxx |
| 979706 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.07 | 74.07 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 846090 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 510506 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 43.68 | 43.68 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 394871 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.54 | 38.54 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 804334 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 748978 |  |  | xxx | 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 |
| 409804 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 798486 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 529347 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 251485 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 78.95 | 78.95 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 491949 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.84 | 60.84 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 176971 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 341450 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 50.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 458050 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 733394 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 669008 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 169960 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 72.73 | 72.73 | xxx | xxx | -.0295 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | -.0295 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 910882 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.89 | 74.89 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 369216 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 740647 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 429284 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 790021 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.31 | 67.31 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 775821 |  |  | xxx | 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 |
| 264850 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.85 | 39.85 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 247176 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 371486 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.97 | 69.97 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 142416 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 53.48 | 53.48 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 924429 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.78 | 60.78 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | lowrisk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 646581 |  |  | xxx | 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 |
| 437504 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 886206 |  |  | xxx | 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 |
| 432235 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 69.99 | 69.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 681665 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 171919 |  |  | 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 Eligible | 1 | xxx |
| 248343 |  |  | xxx | 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 |
| 479837 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.41 | 66.41 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 866537 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 879191 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 242763 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 48.96 | 48.96 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 138227 |  |  | 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 Eligible | 1.5 | xxx |
| 376543 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.15 | 65.15 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 934216 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.5 | 62.5 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 994167 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 61.54 | 61.54 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 533975 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 2.1 | xxx |
| 883549 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 78.57 | 78.57 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 656591 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 705953 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 827415 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 53.36 | 53.36 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 808296 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.33 | 58.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 976441 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 74.82 | 74.82 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 730106 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 53.01 | 53.01 |  |  |  |  |  |  |  |  | xxx | xxx | .0602 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 183135 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 404006 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.39 | 48.39 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 506093 |  |  | xxx | xxx | xxx | 0 | 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 Eligible | 2.5 | xxx |
| 300522 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 207607 |  |  | 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 | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 379469 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.38 | 41.38 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 159229 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.67 | 34.67 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 909326 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.67 | 60.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 662575 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.5 | 67.5 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 221823 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.8 | xxx |
| 862561 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2.4 | xxx |
| 546315 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 37.59 | 37.59 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 424107 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 72.53 | 72.53 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 953140 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 266932 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 530091 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 62.5 | 62.5 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.4 | xxx |
| 858445 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | xxx | .0212 | Desk Review |  |  |  |  | xxx | xxx | .0212 | xxx | 1004 URAR |  |  |  |  | 0.0 |  |  |  | xxx | xxx | .0212 | xxx | High Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 917945 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 357805 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 53.87 | 53.87 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 181086 |  |  | xxx | 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 |
| 889274 |  |  | 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 | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 188684 |  |  | 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 Eligible | 1 | xxx |
| 199385 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 43.48 | 43.48 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 598218 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 2.5 | xxx |
| 383349 |  |  | 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 | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 989773 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 658037 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 67.61 | 67.61 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 598750 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.57 | 28.57 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 160126 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 666766 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 16.07 | 16.07 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 515445 |  |  | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 118970 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.97 | 68.97 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 315090 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 73.82 | 73.82 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 716537 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | lowrisk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 240181 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 53.33 | 53.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.5 | xxx |
| 755228 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 55.88 | 55.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 421585 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 68.19 | 68.19 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 453322 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 66.95 | 66.95 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 511018 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 61.58 | 61.58 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 600871 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 54.35 | 54.35 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 816622 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 77.61 | 77.61 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 472649 |  |  | 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 | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 931721 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 443169 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 418971 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 359144 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.87 | 58.87 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 670288 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 64.0 | 64.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 842996 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 809274 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 933404 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.1 | xxx |
| 709498 |  |  | xxx | 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 |
| 309087 |  |  | xxx | xxx | xxx | xxx | 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 99.19

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 221181 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 | N/A | Not Employed |  | Yes |  | Yes | Present |
| 571512 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 157319 |  |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | Yes |  | No |  |
| 420446 |  |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 142238 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 284147 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 851657 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 350689 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 884837 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 518922 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 671506 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 420383 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 670111 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 170602 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 205335 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 253246 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 298151 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 974192 |  |  | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 220515 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 650451 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 934100 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 914798 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | Yes |  | No |  |
| 523223 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 824771 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 861861 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 171169 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 219907 |  |  | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 512992 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 976188 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 654606 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 899957 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 994192 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 638820 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 800719 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 408431 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 411967 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 213085 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 709173 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 284354 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 248023 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 461012 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 880054 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | Yes |  | Yes | Present |
| 557246 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 501608 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 892335 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 190104 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 422015 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 652401 |  |  | 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 | Yes | Employed |  | No |  | Yes | Present |
| 676093 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 266167 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 361615 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 195774 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 199303 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 196394 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 488646 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 393432 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 689783 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 713449 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 500682 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 989673 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 601673 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 871557 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 188470 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 881423 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 817326 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 390086 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 853834 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 416919 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 963360 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 784169 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 355267 |  |  | 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 | N/A | Employed | Employed | No | No | Yes | Present |
| 379760 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 709372 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 693461 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 718368 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 492098 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 453120 |  |  | 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 | N/A | Employed |  | Yes |  | Yes | Present |
| 898326 |  |  | 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 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 345390 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 568147 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 424118 |  |  | 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 | N/A | Employed | Employed | No | No | Yes | Present |
| 222940 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 941351 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 480443 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 203989 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 333448 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 151916 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 605142 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 693840 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 201412 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 751667 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 397852 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 496315 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 545991 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 224791 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 865462 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 892086 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 898332 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 126832 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 913375 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 295121 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 817439 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 518986 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 530854 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 630371 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 418408 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 862364 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 460362 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 842992 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 114796 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 913951 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 376036 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 989494 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 648487 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 949511 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 968913 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 659989 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 644625 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Unknown | Employed | No | No | No |  |
| 885446 |  |  | 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 | xxx | N/A | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 777442 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 355981 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 312288 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 710674 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 705174 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 492840 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 279074 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 162374 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 753387 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 608713 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 251786 |  |  | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 759787 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 988493 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 977869 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 730016 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 578743 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 473171 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 181655 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 442436 |  |  | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 480042 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 803972 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 791155 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 908480 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 602068 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 793900 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 470419 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 751810 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 245289 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 992808 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 619545 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 557557 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 481350 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 387606 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 931650 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 449866 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 714399 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 574473 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 848493 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 126823 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 863872 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 675851 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 766112 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 274297 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 898461 |  |  | 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 | xxx | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 799594 |  |  | 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 | N/A | Employed |  | Yes |  | Yes | Present |
| 699613 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 626042 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 236433 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 534700 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 382198 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 587416 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 455515 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 190301 |  |  | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 230519 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 641541 |  |  | 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 | N/A | Employed |  | Yes |  | Yes | Present |
| 167711 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 803360 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | Yes | Employed | Not Employed | No | No | No |  |
| 138359 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 595403 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 512427 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 281987 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 986776 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 163112 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 152702 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 342929 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 890021 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 983029 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 830929 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 246264 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 799820 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 129748 |  |  | 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 | N/A | Employed | Not Employed | Yes | Yes | Yes | Present |
| 671122 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 723324 |  |  | 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 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 883573 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 770133 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 859133 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 880166 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 282263 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 147882 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 216911 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 954670 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 647258 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 463209 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 663466 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 633897 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 273084 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 246011 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 884977 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 763463 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 957627 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 597214 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | 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 | N/A | Employed | Employed | No | No | Yes | Present |
| 711296 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 729231 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 452278 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 735726 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 252377 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 853586 |  |  | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 636577 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 184536 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 220738 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 210186 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 318768 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 873475 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 834620 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 631271 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 473248 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 713955 |  |  | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 863910 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 943422 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 274040 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 528168 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 167818 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 300940 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 717671 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 498926 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 991767 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 896696 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 115735 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 279844 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 734906 |  |  | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 134821 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 584852 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 676856 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 318073 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 846055 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 559792 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 515428 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 405831 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 435327 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 276285 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 979706 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 846090 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 510506 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 394871 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 804334 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 748978 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 409804 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 798486 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 529347 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 251485 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 491949 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 176971 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 341450 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 458050 |  |  | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 733394 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 669008 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 169960 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 910882 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 369216 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 740647 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 429284 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 790021 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 775821 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 264850 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 247176 |  |  | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 371486 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 142416 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 924429 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 646581 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 437504 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 886206 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 432235 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | Yes | No | No | No | Not Tested | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 681665 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 171919 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 248343 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 479837 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 866537 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 879191 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 242763 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 138227 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 376543 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 934216 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 994167 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 533975 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Yes | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 883549 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 656591 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 705953 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 827415 |  |  | 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 | 0 |  |  |  | No |  | Yes | Present |
| 808296 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 976441 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 730106 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 183135 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 404006 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 506093 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 300522 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 207607 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 379469 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 159229 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 909326 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 662575 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 221823 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 862561 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 546315 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 424107 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 953140 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 266932 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 530091 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 858445 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 917945 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 357805 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 181086 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 889274 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 188684 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 199385 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 598218 |  |  | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 383349 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 989773 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 658037 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 598750 |  |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 160126 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 666766 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 515445 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 118970 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 315090 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 716537 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 240181 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 755228 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 421585 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 453322 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 511018 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 600871 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 816622 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 472649 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 931721 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 443169 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 418971 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 359144 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 670288 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 842996 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 809274 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 933404 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 709498 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 309087 |  |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

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## Exhibit 99.20

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 638820 |  |  | Assumable Flag | No | H |
| 501608 |  |  | Assumable Flag | Unknown | No |
| 361615 |  |  | Assumable Flag | Yes | H |
| 777442 |  |  | Assumable Flag | No | H |
| 908480 |  |  | Assumable Flag | Yes | No |
| 387606 |  |  | Assumable Flag | No | H |
| 279844 |  |  | Assumable Flag | Yes | No |
| 584852 |  |  | Assumable Flag | Yes | No |
| 518922 |  |  | B1 Verified Citizenship Designation | US Citizen | Y |
| 390086 |  |  | B1 Verified Citizenship Designation | US Citizen | Y |
| 492098 |  |  | Borrower 1 Origination Equifax | xxx | xxx |
| 492098 |  |  | Borrower 1 Origination Experian | xxx | xxx |
| 492098 |  |  | Borrower 1 Origination TransUnion | xxx | xxx |
| 390086 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 968913 |  |  | Borrower 1 Self-Employment Flag | Yes | No |
| 644625 |  |  | Borrower 1 Self-Employment Flag | Unknown | No |
| 181655 |  |  | Borrower 2 Self-Employment Flag | Unknown | No |
| 676856 |  |  | Calculated DSCR | 1.386 | 0.0 |
| 248023 |  |  | Escrow Flag | No | Yes |
| 740647 |  |  | Number of Units | 3 | 1 |
| 219907 |  |  | Origination BK Flag | Yes | No |
| 914798 |  |  | Primary Appraised Property Value | xxx | xxx |
| 424118 |  |  | Primary Appraised Property Value | xxx | xxx |
| 735726 |  |  | Primary Appraised Property Value | xxx | xxx |
| 169960 |  |  | Primary Appraised Property Value | xxx | xxx |
| 432235 |  |  | Primary Appraised Property Value | xxx | xxx |
| 453322 |  |  | Primary Appraised Property Value | xxx | xxx |
| 458050 |  |  | Property County | xxx | xxx |
| 976441 |  |  | Property County | xxx | xxx |
| 253246 |  |  | Property Type | PUD | Single Family Detached |
| 848493 |  |  | Property Type | PUD | CLR |
| 437504 |  |  | Property Type | Single Family Detached | Single Family Attached |
| 248343 |  |  | Property Type | PUD | Single Family Detached |
| 879191 |  |  | Property Type | Single Family Detached | Single Family Attached |
| 492098 |  |  | Qualifying FICO | xxx | xxx |
| 654606 |  |  | Qualifying Total Debt Income Ratio | 41.29 | 25.07 |
| 424118 |  |  | Qualifying Total Debt Income Ratio | 35.08 | 32.73 |
| 863872 |  |  | Qualifying Total Debt Income Ratio | 45.48 | 43.98 |
| 230519 |  |  | Qualifying Total Debt Income Ratio | 33.44 | 21.23 |
| 883573 |  |  | Qualifying Total Debt Income Ratio | 33.64 | 30.96 |
| 282263 |  |  | Qualifying Total Debt Income Ratio | 34.82 | 32.37 |
| 798486 |  |  | Qualifying Total Debt Income Ratio | 34.65 | 30.34 |
| 883549 |  |  | Qualifying Total Debt Income Ratio | 39.71 | 36.97 |

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